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Poor Credit Mortgage Manchester

Search Mortgage Solutions, Manchester’s leading bad credit mortgage brokers are happy to offer help and advice on the problems of obtaining a suitable mortgage for those people with a poor credit history. There are many options to be explored to find a suitable deal that will work well to overcome specific problems. Typical problems from the past could include late or missed payments on credit, missed and late mortgage payments, credit card debts, bankruptcy, or County Court Judgements, (CCJ’s). Many mortgage brokers purposely avoid taking on bad credit mortgage applications because the processes that must be followed can be very complicated and time consuming. Search Mortgage Solutions have had many years of experience in the specialised area of bad credit mortgages and our expert Manchester based mortgage advisors know the best options to take for the best chances of success for you to purchase your new home or arrange a new remortgage.

People move on and circumstances can change for the better so being permanently locked out of the mortgage market because of mistakes in the past is a real shame. There are lenders out there who specialise in providing mortgages to people with a poor credit history. We, being a Manchester based whole of market broker specialising in bad credit mortgages, have access to a whole range of sympathetic lenders. In most circumstances we can arrange a new suitable bad credits mortgage with the best lender for your specific circumstances.

Search Mortgage Solutions Manchester

125 Deansgate, Manchester M3 2BY

5.0 27 reviews

Ed Pollard
a month ago
I have used David and his team at Search Mortgage Solutions on a number of occasions and every time, his availability, advice and knowledge have been absolutely invaluable in helping with our mortgages. This has included some tricky, urgent issues to help us secure the house we wanted. The only thing that will stop me using David is when he retires! Thank you David for all your help over the years.
Nick Ventolini
3 months ago
David regularly proposes the most convenient deal and solution in the best of your interest. Professional and trustworthy, highly recommended.
1st Wootton Beavers
5 months ago
David was really easy to deal with, I swear he works ever hour under the sun! great service and thank you for sorting out my minefield of a mortgage (well, it felt like that to me, but you made it simple!) Will be using you next time i buy a house for sure :)

100% FEE-FREE MORTGAGE BROKER FOR BAD CREDIT MORTGAGES IN MANCHESTER

People move on and circumstances can change for the better so being permanently locked out of the mortgage market because of mistakes in the past is a real shame. There are lenders out there who specialise in providing mortgages to people with a poor credit history. We, being a Manchester based whole of market broker specialising in bad credit mortgages, have access to a whole range of sympathetic lenders. In most circumstances we can arrange a new suitable bad credits mortgage with the best lender for your specific circumstances.

Because of the higher risks that the lenders who will accept previous bad credit issues are exposed to, you could find that they may charge a slightly higher rate of interest or expect to see a higher deposit than those applicable to standard mortgages. Often a mortgage broker with wide experience of working in the adverse credit sector could possibly secure you a mortgage with terms that are not too distant from those of standard mortgages. Of course, this is very much dependant on the depth and complexity of the applicant’s problems from the past. This is why it is always a wise move to engage with a specialist broker that understands how the best adverse credit mortgages can be obtained.

The FCA do not regulate buy to let mortgages.

Bad Credit Mortgage Advice Manchester

As time goes by it is quite possible to improve your credit rating simply by keeping up with your mortgage repayments. This can mean that you could move to a standard mortgage at a later time. We will advise you when would be the best time to re-mortgage in the future and we would have all your past history to hand to renegotiate the best deal available.

The best starting point to get things moving along for you is to talk through your problems with one of our specialist advisors. Over the years we have built up an enviable reputation for helping our clients through this difficult situation that they are experiencing. Once we have had an in depth discussion we will recommend the best route available to move forward.

Our advice and broker service is 100% fee free regardless of your circumstances or your previous defaults or previous adverse credit issues. We really hope to have a chance to help you to buy your next home. An informal discussion with one of our bad credit or credit impaired mortgage specialist advisors will cost you nothing and we charge no fee for the mortgage application and processing.

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Bad Credit Mortgages Frequently Asked Questions

Lenders will consider an application even if you have a CCJ on your credit profile. Usually, the older the CCJ was registered, the greater the chance of success. If the CCJ is satisfied, you will stand a better chance of securing a mortgage. Satisfying a CCJ, means that you have settled the outstanding balance and the CCJ has been resolved. Some lenders prefer 12 months to have passed after settlement but other lenders may be more lenient.

The amount of the CCJ can also be a major factor. If the lender considers the amount to be too high it can affect the loan to value that lenders are likely to consider. If you have more than one CCJ, this can cause further issues. A history of missed payments or CCJ’s can limit your mortgage options. Lenders may still consider an application but the total deposit required may need to be higher.

If you have been experiencing credit issues, it might be because you have a CCJ registered against you. If you are unaware of such a case, it may be that you have moved home and missed relevant correspondence. To check what’s registered against you, you can check the Register of Judgements, Orders and Fines and perform a CCJ check against your name for £4.

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