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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.

Non Status Remortgage

Non status mortgage - Also known as bad credit mortgage and adverse credit mortgage. Many UK mortgage application forms are rejected, sometimes for minor past credit problems and mistakes.

An estimated one in four British people would be turned down by a mainstream mortgage lender, and an estimated three million have had a County Court Judgment (CCJ) in the past.

There are a large number of British people who do not fall into the mortgage lenders criteria for an application. This is where non status mortgages come into play. You may require a adverse credit mortgage if you have had :

Non Status Remortgages UK

If you are self employed or have irregular working patterns, you may have experienced difficulty getting a mortgage or remortgage without very high interest rates.

Many high street mortgage lenders take a cautious view of the self employed or other people who have difficulty proving their income such as unsalaried company directors and contract workers.

If you have difficulty proving your income, are unable to provide two or three years' accounts or your accounts do not really reflect your current company position then a non status mortgage may be the way forward. Non status mortgages are offered by UK mortgage lenders without the need to provide proof of income or previous mortgage history. With non status mortgages there is no need to supply employer statements, accounts, bank statements or any other proof of income.

Non status mortgages are ideal for the self employed although they are not exclusive to them. Unsalaried company directors and contract workers are also suitable.

Whatever your circumstances we are here to help you secure the Best Possible Self Cert Remortgage offer at the Lowest Possible Rate. The public sometimes classifies non status remortgages as the same as self certified remortgages. Our definition of a non status remortgage differs from that of a self-certified remortgage in the following way...

non status: This type of remortgage would not need an income declared at all. The lender would accept a signed declaration that the applicant can afford the mortgage payments. This type of remortgage has disappeared since the inception of the FSA regulations on 1 st November 2004 leaving the Self Cert Remortgage as only other option open to those having diffuclty in proving income. As the UK's No1 Self Cert Mortgage Centre our expertise in presenting the Best Possible Case for our clients, Our Relationship With The UK's Top Lenders and our extraordinary Buying Power allow us to offer Self Cert clients The Best Rates available with the widest choice of schemes from the Uk's Premier and Specialist Lenders...

So whatever your circumstances, phone us today or complete our online express application form now and take the first step to getting a mortgage. 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 6.1% 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 charged for mortgage advice. Our typical fee is £2500 for all types of mortgages except Lifetime Mortgages, which will be charged at £395 + 2% of the total loan amount. Example: a £50,000 lifetime mortgage loan, the fee payable would be £395 + 2% of £50,000 (£1,000) = £1,395. 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/home.do) 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.