Adverse Credit in Northampton | Michael Knight Mortgages | Earls Barton | Wollaston | Irchester | Wellingborough | Northampton

Adverse Credit

“Been turned down for a mortgage? Less than perfect credit or Bad Credit?”
Here at Michael Knight Mortgages I have access to lenders who have sympathy for those in awkward situations and will deal with each case individually. The following illustrates perhaps the most common situations where I’ve been able to help customers obtain a mortgage despite the apparent difficulties:

- Previous bad debt resulting from non-payment of a credit agreement resulting in a County Court Judgement (CCJ) or a default (against a loan agreement).
- Separation/divorce where outstanding loans/credit have not been maintained and where one partner wishes to buy out the other or move on.
- Late payments on credit/store cards which result in failing to obtain a new mortgage for a house.

These are just typical examples of cases which I handle sympathetically and on an individual basis.
If you are in a position where you have been affected by bad credit and it prevents you getting a high street mortgage then talk to me. My policy is that if there is a mortgage out there for you, I will do whatever I can to find it.

“Best First Policy”
Unlike some adverse mortgage brokers and lenders on the market I always strive to find the most competitive deal for my clients according to their circumstances. You can be sure that the solution I find for you isn’t just the first deal I find regardless of the rate. For me, being whole of market means using that status to get the most competitive package for you by sourcing for ‘credit repair’ mortgages which bridge a gap until your credit file is back in order so that you can return to competitive high street rates again.

“What do I need to do?”
The first thing I recommend anyone with financial difficulties is to obtain their own ‘credit report’. Basically all the credit you own or have had within the last 6 years is held in the main by three credit agencies - Experian, Equifax and Callcredit. These companies are used by finance companies and lenders to determine the state of an applicants credit history. Some lenders will credit search using one, some the other and in a few cases even both. Select one of the icons below to access the easy to use websites that will allow you to obtain a credit report now. These can be applied for by telephone, by post or online and should take no longer than a week to arrive. In addition you will normally have to pay a small administration fee of £2 for a credit file.

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…and finally
Once you have your credit file then contact me for an appointment and I can then start looking for the right mortgage for you.