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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.

The classic mortgage problem

You are searching for a mortgage, remortgage or Bridging Loan but due to Credit Problems and a Poor Credit History the High Street Banks and Building Societies refuse to deal with credit risks.

Other terms used to describe this market are Non Status Mortgages, Adverse Credit Mortgages, Bad Credit Mortgages or Problem Mortgages. If you're looking for a self-employed mortgage, you may have irregular income or multiple jobs, you're probably one of many who know you can afford a mortgage, but have difficulty proving your income.

Your credit problems may be caused from when you were a student or had been made redundant or sufferef from illness. Having an Adverse Credit History makes it virtually impossible to get a High Street Bank or Building Society Mortgage. The kind of mortgage you will be able to get is an Adverse Credit Mortgage, sometimes called Non Status Mortgages, Poor Credit Mortgages and Bad Credit Mortgages.

Moneypoint finance will help you to get a mortgage

We specialise in assisting those who have had, or currently have adverse credit problems. We don't treat the term Poor Credit as a bad word, we treat it as a required solution. We can help even if you have a poor credit history and are considered unsuitable by some lenders.

About Adverse Credit Mortgages About Remortgages About Right to Buy Mortgages About Self Certification 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 £2500 and a maximum fee payable of £5,000. 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.