It costs nothing to ask for a professional advice!

Ask now

We have several advisors who specialise in arranging mortgages for people with difficult mortgage cases .

We live in a country, where one in every four people have had some kind of problem with their credit rating at one time or the other.

There are over 9 million people in this country seen as unsuitable for conventional lenders when applying for a mortgage. Having impaired credit is a key factor in this decision. This needn't be the case for you. With our free mortgage advice we can arrange the ideal mortgage deal for you without charging high interest rates or multiple penalty fees.

Firstly, if you have been refused a mortgage before it would be helpful if you found out why. If you contact Equifax you will be able to obtain your credit file. This will give an indication of your credit situation. Lenders refuse people with all different types of bad credit. These include:

• County Court Judgements (CCJ's)

• Defaults

• Mortgage Arrears

• Bankruptcy Orders

• Involuntary Arrangements (IVA's)

Credit Reference Agencies

These are huge collections of information, including the electoral roll, information supplied by other lenders and County Court Judgements (CCJ's). Equifax's information includes some records of when you have fallen behind with payments, and how many cheques you have had bounced.

CCJ's will be recorded for six years from the date of the judgement - unless the judgement was paid in full within one month of judgement being given, when the court can remove the record if you contact them.

If a CCJ is paid after more than one month, it can be marked as 'Satisfied'. When you apply for credit, a lender will use this information in its own credit scoring process.

In 1999 Experian, one of the two credit reference agencies, processed 80 million credit checks.

Inspecting your credit records

You can inspect your entry in both credit reference agencies. By law you have to pay a fee of £2. About 650,000 people a year pay Experian to check their credit file. Experian Start with Experian, because they have a clear and detailed guide here.

They are at - Consumer Help Service, Experian Limited, PO Box 8000, Nottingham, NG1 5GX

Write, giving you full name, date of birth, and current and previous addresses for the last six years, and enclose £2 cheque/PO. They will send you the file within 7 days, plus an explanatory booklet.

Equifax Europe

Alternatively, to get a copy of your Equifax record Write to- Equifax, Dept 1e, PO Box 3001, Glasgow, G81 2DT

• Enclose your full name and address plus any previous addresses over the last 6 years.

• Enclose a Cheque or Postal Order for £2 payable to Equifax Europe PLC.

We have access to specialist lenders who take a common sense view on this issue. They offer competitive rates, low fees with schemes to suit most cases.

These include:

• Purchase Price - Up to 90%

• Remortgages - Up to 85%

• Low Interest Rates

• Fixed & Capped schemes available

• CCJ's - Up to £10,000

• Defaults - Any number

• Arrears - Up to six months in last year

• Bankruptcies - Discharged less than one year

• IVA's - Current & satisfactory or completed

• Repossessions can be considered.

To get the best advice just simply fill in our short application form and wait for one of our many advisors to contact you usually within the next few hours.

It costs nothing to ask for a professional advice!

Ask now

Our Customer Care Code - Data Protection

Useful reading	Useful Links
'Buying a House' 'Buying & Selling' and many other books	Credit Counselling Community Legal Service Credit Action The Financial Services Authority