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The guidance and/or advice contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK only.

What is Adverse Credit

People with a history of defaults, mortgage arrears, late payments, bankruptcy or County Court Judgments (CCj's) or bad credit are often described as having 'adverse credit'.

When somebody makes an application for a mortgage, the lender has the facility to search the person's credit file (sometimes called 'credit history') to help them to decide if they are likely to be able to repay the loan. People with adverse credit will appear to be a more risky lend. Call us on 01625 503000, or apply here.

why does my bank not offer an adverse credit mortgage

Individuals with an adverse credit history are often turned down for mortgages by many high street lenders as they are deemed to be of a higher risk than someone who does not have adverse credit.

The good news is that it should not prevent you from obtaining a mortgage at sensible rates and on acceptable terms. Our lenders understand your situation and are willing to lend to people with a less than perfect credit history, this also applies to remortgages should you wish to re-mortgage your present property to raise additional cash.

We are specialists in providing mortgages regardless of your past or present problems, don’t delay pick up the phone or complete our online express application form now. Call us on 01625 503000, or apply here.

About Adverse Credit Mortgages About Remortgages About Right to Buy Mortgages

The overall cost for comparison is 8.1% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration. Adding existing debts to your mortgage will both extend the repayment term and increase the overall cost of the debt.

There will be a fee for mortgage advice. Our typical fee is 3% of the total mortgage loan subject to a minimum fee payable of £2,750 and a maximum fee payable of £7,000. Example £100,000 mortgage loan, the fee payable would be £3,000 (3% of loan). All advice fees are payable upon completion. Moneypoint Finance Limited is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register) under reference 303863.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Calls may be recorded for training and monitoring purposes.