Essex Mortgages

Adverse Credit

If you have a history of bad credit we have access to specialised Adverse Mortgage lenders that are able to consider your credit history, so please talk to us today to let us help you.We need you to be open and honest with us to allow us to work with your individual requirements and we will use our expertise to help find the right mortgage lender for you.Contact us today to see how we can help you.

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What is Adverse Credit?

Adverse credit can occur if you have a negative payment history on your credit file. These can include things like missed payments on financial credit commitments to disputes with utility bills, parking tickets or other financial issues.

Do I Qualify?

Just because you have bad credit history, doesn’t necessarily mean you won’t get a mortgage. There are lenders who will not turn you down solely on negative credit history, however these lenders will take a closer look at a client’s personal circumstances on a case-by-case approach.Having adverse credit may require you to put down a larger deposit and often have slightly higher interest rates, but one of our experts will be able to thoroughly explain everything based on your individual needs.

What does a lender look at?

An Adverse Mortgage lender will consider many different aspects when assessing your requirements.Lenders consider everything from your employment status, income, the size of your deposit, and your age. However, lender criteria varies widely; that’s why we are here to help guide you in the right direction.

Why Choose Essex Mortgages?

As one of the leading mortgage brokerages in the Essex area, we have a wide range of experience and knowledge to cater to our clients’ individual needs. Here at Essex Mortgages we have worked in the mortgage industry for many years and it is our main priority to deliver an unbeatable customer service experience.

We offer expert guidance throughout the mortgage process and strive to provide you with the mortgage product to suit your circumstances.

As a mortgage is secured on your home, please note, your home may be repossessed if you do not keep up repayments on your mortgage.