Bad credit can be defined as a history of arrears and other problems with your credit history as listed below.
Mortgage or rent arrears
County Court Judgements (CCJ's)
Self employed
Decrees (Scotland)
Bankruptcy
I.V.A
Trust deeds
You can check your credit history and we provide information on doing this here>
There are many companies now that will take people with poor and bad credit, you may have to pay a small premium for their services but it allows you to get a foot on the property ladder.
Having a bad credit history could mean that you have experienced county court judgments, mortgage arrears or even bankruptcy in the past. Or it could just be that you have made a minor mistake, such as a late payment that you did not even realise was significant. However if this is the case you probably fall into the category of bad credit history, when lenders come to do a credit check on you. Fortunately it's still likely that you could qualify for a mortgage whether it is through a high street lender or sub prime lender.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
This site is intended for UK residents only. The overall cost for mortgages for comparison is 7.6% APR. The actual rate will depend on your circumstances. APR variable and based on a usual case. There may be an additional charge for advise on these loans.
Bad Credit Mortgages is a trading name of Grovelawn Limited, which is authorised and regulated by the Financial Services Authority. Grovelawn Limited is Registered in England & Wales number 5030300. Registered Address: 98 Station Road, Sidcup, Kent, DA15 7BY. Entered on the Financial Services Authority's Register - Register Number: 314204 - Consumer Credit Licence Number: 573287 The Financial Services Authority (FSA) do not regulate some types of buy to let, commercial, overseas mortgages, tax advice and credit or loans not secured on property.
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