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The questions below are here to assist you in your decisions regarding a mortgage application. If you have any further please do not hesitate to contact us.
Please contact us and we can guide you through the application. Our qualified advisors can assist you quickly and simply through the process.
When you apply for a mortgage or loan we will always send you a written, detailed quotation that fully complies with the Code of Mortgage Lending Practice.
Our initial consultation and guidance is free of charge. Normal charges include application and valuation fees. Any charges will be made clear to you before you commit yourself to a mortgage.
In order to fully comply with the FSA (Financial Services Authority) all our partners have to be of the highest integrity. We will only work with the best-recognised companies so you can be sure of the highest standards.
Please e-mail us or call with any queries and we will be happy to assist with any information you need.
Firstly, don't worry. At Mortgage Issues, we can help. We have a wide range of mortgages available from many sources - that will meet your needs. Remember, even if you have been refused credit before, not all lenders are the same and we have a wide portfolio of mortgages that are available for many circumstances. Click here to find out more.
We cater for many situations and have a wide range of products and services available. Whether you have CCJs (County Court Judgements), have previously been made bankrupt, have an adverse credit history, are a first time buyer, looking to buy your council home, are self employed or a first time buyer, we can help. Please call and speak to our advisers.
Yes. We have a wide range of policies including Accident, Sickness and Unemployment Insurance, Buildings and Contents Insurance and Life Insurance for your protection and peace of mind. Speak to our advisors for more information. Find out more...
Yes, you can use the loan for any legal purpose including Debt Consolidation, Home Improvements, Car Purchase etc.
Every time you apply for a loan, a record is made in your credit history. It may harm your credit rating if you keep applying multiple times for loans. Please explain your situation to our advisers and we can help you minimise your applications.
You can borrow from £5,000 to £100,000 depending on your individual circumstances, over a term of up to 25 years.
Yes. All of our Lenders allow you to repay early, but penalties may apply depending on your loan. All of our terms and conditions (and those of our partners) are in accordance with the FSA and are in accordance with the Consumer Credit Act.
If you have a bad credit history, it can seem like lenders won't give you a second chance. Mortgage Issues is different. We work with many Lending Companies who specialise in such cases. Please call now and speak with our advisers for more details.
Applying for a loan or mortgage under such circumstances may seem daunting, but don't worry, help is at hand.
Here, we explain some of the terms you may find when completing an Adverse Credit application.
If you have ever missed a payment to a credit card, loan, been made bankrupt, have County Court Judgements (CCJs), have mortgage arrears, or have refused to pay charges in certain circumstances, your credit history may be affected. This reflects the bad use of credit facilities and is looked on unfavourable by some lenders.
This term describes where you have missed repayments on your mortgage or loan and these have accumulated over time. Arrears are measured in either months or the value of the missed payments.
If you as an individual, or a company you own is relieved from paying all debts via a court, then you are declared bankrupt. In such cases, a third party (liquidator) will use the assets owned by that individual or company to pay off any creditors as much as reasonably possible before writing off the debt.
A CCJ is where an individual has to go to court to settle an outstanding payment on a debt. Once the ruling has been issues, it will remain on your credit history typically for seven years. It is usual for lenders to ensure that any CCJs are settled before a loan or mortgage can be issued, but we have arrange of lenders who will take personal circumstances into consideration and specialise in such cases.
Every time you apply for a loan or mortgage, this can affect your credit rating. If you apply on line, these applications are registered too. Our advisers will guide you through your applications ensuring the criteria are met before anything is officially submitted ensuring the number of applications is minimised.
Your Credit History is kept on file and can be accessed by any lender to assess your suitability and credit worthiness. It records every time you apply for a loan or mortgage or default on a payment under certain circumstances.
This is where you have failed to make a mortgage or loan payment at the correct time.
Under certain circumstances, a borrower who has a bad credit history is described as a sub prime.
The overall cost for comparison is 8.3% APR. The actual rate available will depend on your circumstances. Ask for an illustration. The APR is variable and based on a usual case.
A fee will be payable depending on your circumstances. An indication of the fee is £3000.
An early repayment fee may be payable depending on the mortgage you choose.
Adding existing debts to your mortgage will both extend the repayment term and increase the overall cost of the debt.
Think carefully before securing other debts against your home. Your home may be reposessed if you do not keep up repayments on your mortgage.
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