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  BAD CREDIT

For those of us that have experienced credit problems in the past getting a mortgage will not be as straight forward as normal, however as long as you have a deposit or equity in your existing property finding the right mortgage is still usually possible. There are now lots of lenders that specialise in these types of mortgages and hundreds of products are now available.

Usually you should expect to pay a higher than normal interest rate if you have experienced credit problems and the fees tend to be higher. The range of interest rates available is wide and by getting good advice can ensure you don’t pay a rate higher than you need to.

Our advisers at LSA Financial Services will carefully assess your situation and then we will search the market to find the mortgage to meet your needs. We are not influenced by commission earnings but instead dedicated to meeting your needs. This ranges from advising you on the product right through to providing you with assistance until completion. We are proud of our service and just because your requirements will need more effort than normal our service to you will not sway from our normal high standards.

Due to the diversity of products in today’s market there are mortgages designed to suit many different situations. Some examples are listed below but if your situation is not listed this does not necessarily mean you are not catered for so contact us to see if we can help.

  • County Court Judgements (CCJ’s)
  • Defaults
  • Arrears (Mortgage / Loans / Credit Cards)
  • Payment Arrangements
  • Bankrupts
  • IVA’s
  • Reposessions

Think carefully before securing other debts against your home.

The overall cost for comparison is 7.6% APR.  The actual rate available will depend on your circumstances.  Ask for a personalised illustration.   APR variable and based on a usual case.  Our charges are usually £295.

 
  SUBMIT A MORTGAGE ENQUIRY

Please take a moment to tell us about your mortgage needs and we will call you back at a time convenient to you. Our advisers will search the whole market to find you the most suitable mortgage for your needs.
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Your home may be repossessed if you do not keep up repayments on your mortgage
LSA Financial Services Limited is an Appointed Representative of 'pi financial limited' which is authorised and regulated by the Financial Services Authority.
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