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The Mortgage Lady
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Janet Hall CeMAP

Janet Hall, 115 The Street, Crowmarsh Gifford, Wallingford, Oxon OX10 8EF. Tel: 0330 999 1955

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BAD CREDIT
Have no doubt about it - one of the results of the ‘Credit Crunch’ is that anyone with less than a perfect credit record is going to have some difficulty in obtaining a mortgage, or any other form of credit.
 
Certainly the days of easy mortgage availability, even those with some history including CCJs and late payments, are gone.
 
BUT, there are still some specialist lenders who provide specifically for those with historic credit problems (particularly those who can demonstrate an improved record over recent periods) - and for those with minor or one-off historic credit problems it can at times, by careful selection of a lender whose detailed criteria match the circumstances, be possible to place a mortgage
with a mainstream lender and avoid comparatively punitive rates and contract conditions.
 
The starting point is to be aware of you credit report status at all times (and even those who are confident of their exemplary record should monitor their credit reports to guard against the unforeseen event) and we provide some useful information here on this site to help you do so.
 
With full and current credit reports available, together with your personal financial documentation and history, I can:
 
q fully evaluate which - if any - lender is most likely to consider an application from you favourably.
 
q help you develop a strategy to manage your debt issues and improve your credit rating over a
     period of time.
 
q avoid you making pointless applications where you have no chance of being successful and damaging your
     credit rating further (multiple applications and/or rejections will harm your credit rating).
THERE MAY BE A FEE FOR MORTGAGE ADVICE - TYPICALLY UP TO 500 FOR A CASE INVOLVING ADVERSE CREDIT.
ADVERSE CREDIT MORTGAGES - THE OVERALL RATE FOR COMPARISON IS 9.2% APR. THE ACTUAL RATE WILL DEPEND ON YOUR CIRCUMSTANCES.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON YOUR MORTGAGE.
ZOOM VIEW
Janet Hall is an appointed representative of TenetLime Ltd which is authorised and regulated by the Financial Conduct Authority.
TenetLime Ltd is entered on the FCA register (www.fca.gov.uk/pages/register) under reference 311266.
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