Mortgage advice poor credit.

JoeBourbon

Anyone tried Co-ownership? Do you think reducing the price of the mortgage could help get one.

JoeBourbon

Any other recommendations for mortgage brokers in Belfast area? Will I need whole credit reports with me for initial consultation? At what point do they start charging?

bannyfawz

hi there just new to this site and looking for some advice I am looking to get a mortgage for a dorrans build house does anyone know of lenders that would lend on this type of non standard construction house?

Ticked

JoeBourbon wrote: »

Any other recommendations for mortgage brokers in Belfast area? Will I need whole credit reports with me for initial consultation? At what point do they start charging?

Pick a broker and listen to what they advise. If it doesn't suit, ask another one! Somewhere down the line you'll find a broker and a suitable package. Happy hunting!

JoeBourbon

Is there any subprime lenders that cover northern Ireland?
I have heard about a dozen or so companies that do subprime but based in England. Know of anyone who has had success here with these?

Old_Git

I got a mortgage recently .It was arranged via London and Country.
They dont charge any fees .
They will do an affordability check test .
My mortgage was actually a remortgage on a property I owned outright ,so not a first time buyer .
My deal had free (very slow ) legal services ,no upfront fees and and £225 fee at the end of mortgage term. Interest rate 1.97 % .

I realise this may not meet your needs but prior to this offer I was offered a deal with £1000 upfront fees elsewhere .

ap1985

JoeBourbon wrote: »

Just need some local advice. My wife and I are trying to work out if getting a mortgage is realistic. Not great credit history, never missed a rent payment of over £600 per month and we both have good secure jobs. House we like is around £80000.00 so we'd be paying a lot less per month but I guess that doesn't mean much. Any advice?

I would recommend getting a good mortgage advisor. I am currently going through the mortgage process on a H2B property and my credit rating is really bad. I am currently using London and Country who I would really recommend. I haven't received a mortgage offer yet however so far I have found them to be really efficient and helpful. So fingers crossed!