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Bad Credit Mortgages

  • DEFAULTS
  • CCJs
  • DISCHARGED BANKRUPTCY
  • MISSED OR LATE PAYMENTS
  • IVAs

WHATEVER YOUR CIRCUMSTANCES

Borrow from £3,000 to £500,000
over 1 to 25 years

  • Here to help you

    If you are self employed, retired or have CCJs and a poor credit history we can help

  • Widest choice

    Over 100 reputable lenders to choose from to suit your individual circumstances

  • No obligation

    Professional advice from friendly qualified brokers to help you make a decision without any pressure

WHAT IS A BAD CREDIT MORTGAGE?

Sometimes called Adverse Credit Mortgages, bad credit mortgages are mortgages that don’t meet the “regular” or “high street” lending criteria. We specialise in finding mortgage companies that understand the different circumstances that may affect our clients ability to qualify for a regular loan. As independent mortgage brokers we seek out the best options for our clients to suit their personal cirumstances. Some reasons why certain lenders will decline mortgage applications:

  • IVAs (Individual Voluntary Arrangements)
  • Previous property re-possession
  • Bankruptcy
  • Missed mortgage repayments
  • Mortgage arrears
  • Defaults
  • CCJs (County Court Judgements)
  • Debt management plans

Every application we process is looked at and understood by human beings who recognise that 'credit scoring' does not work in every case. Rest assured that the team at Integrity Mortgage Solutions will go that extra mile to find our clients the lender that will understand the circumstances that led to changes in your financial history.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the  Money Advice Service these services may be more suitable for you.

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Frequently Asked Questions

What Others Are Saying

"I suffered a tragic family event that led me to being unable to keep up payments on my home and other debts. Now facing life as a single parent with serious bad credit and forced into bankruptcy. I approached Andy Sheasby of Integrity Mortgage Solutions to see if he could help me find a mortgage in order for me to purchase a new family home with enough space for me and my three children.

This was all arranged by a lender at normal high street interest rates within 6 weeks of my initial enquiry to Andy.

I'm now back on my feet in a new home and could not be happier with the service and assistance that I received. Cheers Andy."

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

There will be a fee for mortgage advice. The amount will depend upon your circumstances. A typical fee would be £395.

Integrity Mortgage Solutions Ltd act as a credit broker not a lender for Home and Landlords Insurance.
The Financial Conduct Authority does not regulate most Buy to Let Mortgages.

Integrity Mortgage Solutions Ltd is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

Registered Address: 40 Forest Rise, Kirby Muxloe, Leicester, LE9 2HQ

Company Number: 08445302

Registered in England & Wales

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