Credit Problems

These days finding anyone with a completely clean credit history is becoming increasingly rare. If you have had credit problems in the last six years it makes getting a mortgage in these difficult times extremely difficult - but not always impossible. We sympathise with people in this situation and always look for ways to help.

At Mortgage ID we make no moral judgements, everyone has the right to own their own home. In fact, when someone comes to us explaining that they have had mortgage arrears, CCJ’s or defaults we work just that bit harder to help them find a lender that will help. Naturally, not everyone we meet will be successful but if you have cleared your major problem debts to zero and you can show a reasonable period of good payments there is often something we can do for you. 

It can take up to six years from the last time you had a credit problem to fully rehabilitate your credit file so you are able to enjoy a prime rate mortgage. Despite this, there are lenders who are prepared to help. If you would like Mortgage ID to advise you on your prospects of success, please click the button below and an adviser will contact you shortly.