Lenders who will lend to less than perfect applicants

Angelcrackers

I have a list of companies who will lend to people with adverse credit histories. Am I missing any?

Vida
Bluestone
Aldermore
Pepper
Kensington 
Kent Reliance
Foundation Home Loans
Darlington BS
Bath Building Society. 

Are there any others? Are there any to avoid?

Many thanks

JustMe18

Together Money - but very high interest rates

Angelcrackers

Thanks. Good to know. Any idea who is likely to be the most competitive rates?

amnblog

What you are missing is that many of these Lenders will not deal with you direct. Even if they do you are likely to make a hash of it. Use an independent broker.

ACG

Can I suggest you speak to a broker? 
I do a lot of adverse (im not plugging for business btw), 48% of  my adverse customers this year have not ended up with an adverse lender.

By limiting yourself to those types of lenders you might be missing a trick. 

Edit: Sorry, I missed that you had included Bath/Darlington. There are certainly others though. The key is to marry up your adverse with the best lender. As an example, nationwide can accept bankruptcy once discharged for 3 years. But that does not mean you will pass the credit check. 

Angelcrackers

Hi, 

No if we go for it I would definitely use a broker. I'm just trying to get a feel for the likely rates and the criteria by looking at a few websites of the companies and was trying to see if there are others I haven't found.

Angelcrackers

amnblog said:

What you are missing is that many of these Lenders will not deal with you direct. Even if they do you are likely to make a hash of it. Use an independent broker.

Yes I know this. I'm just doing my own research to get more informed before I look into a broker.