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Adverse Credit Mortgage broker reccomendations?
GrifterScot
Posts: 3 Newbie
Hi,
Im looking for any reccomendations on a broker for a residential mortgage, only issue is that they have to be able to deal with and probably specialise in adverse credit history and self employed income. We dont have any defaults or CCJs etc and a good LTV of circa 60%, but are having issues with high street lenders due to some irregular history and a late mortage payment from a year ago affecting our ratings.
Any good reccomendations would be much appreciated.
Grifter
Im looking for any reccomendations on a broker for a residential mortgage, only issue is that they have to be able to deal with and probably specialise in adverse credit history and self employed income. We dont have any defaults or CCJs etc and a good LTV of circa 60%, but are having issues with high street lenders due to some irregular history and a late mortage payment from a year ago affecting our ratings.
Any good reccomendations would be much appreciated.
Grifter
0
Comments
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Over a year ago, or within 12 months?
Is there also a complication with the self employed income - or is that straightforward?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Hi,
Payment was Aug last year, late by 2 days and have proof of funds were available at the time, late due to banking transfer times with holidays.
2 years good, consistent income of PAYE and dividends
Everything up to date, nothing in arrears, but a few late payments showing on a credit / card. Would need to debt consilidate credit cards as part of mortgage. no HP or finance.0 -
Several late payments on credit card and one late mortgage payment ? All within 12 months?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
correct. Hence why im looking for reccomendations for a broker specialising in adverse history0
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Your best bet would be recommendations from family/friends, however I appreciate it may be a delicate subject.
Why not do a google search for adverse credit mortgages or try one of the review sites such as https://www.trustpilot.co.ukI am a Mortgage BrokerYou should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.
This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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