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Mortgage with 2 satisfied ccj one 3 year old and 2nd one 1 and a half years which is amount of £270

What lenders is they out there what usally lend to somone in my sircumstances i know they is kengsigton but what else is they 

Comments

  • JustJane101
    JustJane101 Posts: 145 Forumite
    100 Posts Name Dropper
    you'll struggle to get anything until lockdown is over.
    Take your credit reports to a broker and see what they can suggest for your circumstances. I know some companies won't lend in Scotland, some won't lend on leasehold, etc. Your broker will help
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Find yourself a local broker with a good understanding of the adverse mortgage lending market. 
  • ACG
    ACG Posts: 24,690 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Last month, I would have been trying that on the high street. 

    I think Kensington are topping out at 70% LTV at the minute due to the lockdown, there are other lenders who will go to maybe 75% LTV but if things return to how they were, then you will have more options. 
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, 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.
  • Strizy123
    Strizy123 Posts: 29 Forumite
    10 Posts
    you'll struggle to get anything until lockdown is over.
    Take your credit reports to a broker and see what they can suggest for your circumstances. I know some companies won't lend in Scotland, some won't lend on leasehold, etc. Your broker will help
    I do have a broker just wanted to know what other companies was out there like kengsington what before the lockdown did consider people like me
  • MovingForwards
    MovingForwards Posts: 17,161 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    @Strizy123 use your browser and search adverse mortgage lender.

    There are loads, but very few taking on new customers at the moment.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • csgohan4
    csgohan4 Posts: 10,600 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    Strizy123 said:
    you'll struggle to get anything until lockdown is over.
    Take your credit reports to a broker and see what they can suggest for your circumstances. I know some companies won't lend in Scotland, some won't lend on leasehold, etc. Your broker will help
    I do have a broker just wanted to know what other companies was out there like kengsington what before the lockdown did consider people like me
    What lenders will take you before the lockdown is irrelevant now, you can only ask what lenders will take you now or wait for the adverse lenders open up their books if they have closed them. 
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
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