Adverse credit mortgage broker help

corncob82

I am currently in the  middle of selling my family home following a separation. My children and I have moved into rental accommodation until it is finalised, I will then be looking to purchase our own home with around a 27% deposit. However, the first month I moved out, my ex partner paid the mortgage 2 days late and this was reported on my credit file as a missed payment (our mortgage lender report anything that is paid in the following calendar month) and now I’m worried I will struggle to get a mortgage as many avenues I’ve gone down online have basically claimed they are unable to help. Any recommendations for an adverse credit lender?

ACG

Speak to a broker. 
It might be possible to avoid adverse lenders. 

corncob82

Thanks, I usually go through London and Country so I'll get in touch with them

MorningcoffeeIV

You'll want to use a decent broker, rather than L&C. Your case is likely to need some consideration rather than just banging in an application.

lemliss

Unsure if ACG takes clients from here but (he? She? They?) Have always been helpful.
I'm happy to recommend my broker if you need a different recommendation as they've gone above and beyond for me.

chanz4

corncob82 said:

I am currently in the  middle of selling my family home following a separation. My children and I have moved into rental accommodation until it is finalised, I will then be looking to purchase our own home with around a 27% deposit. However, the first month I moved out, my ex partner paid the mortgage 2 days late and this was reported on my credit file as a missed payment (our mortgage lender report anything that is paid in the following calendar month) and now I’m worried I will struggle to get a mortgage as many avenues I’ve gone down online have basically claimed they are unable to help. Any recommendations for an adverse credit lender?

try mortgagesuccess.co.uk

housebuyer143

As others have said, look for a decent broker who deals with adverse credit. A broker like L&C don't give it enough time in my opinion. You might need to pay them a little but if they get you the mortgage it's probably worth it.

ACG

chanz4 said:

corncob82 said:

I am currently in the  middle of selling my family home following a separation. My children and I have moved into rental accommodation until it is finalised, I will then be looking to purchase our own home with around a 27% deposit. However, the first month I moved out, my ex partner paid the mortgage 2 days late and this was reported on my credit file as a missed payment (our mortgage lender report anything that is paid in the following calendar month) and now I’m worried I will struggle to get a mortgage as many avenues I’ve gone down online have basically claimed they are unable to help. Any recommendations for an adverse credit lender?

try mortgagesuccess.co.uk

I have heard they are pretty good