Adverse Mortgages For people that past credit problems

Worried about

your credit

rating?

If you have debts or a low credit rating, the worst thing you can do is apply for mortgages without an adviser on your side. Being declined for a mortgage or being on a debt management plan can have a knock-on effect on your mortgage, and some lenders may not even consider you. But while your options may be slightly more limited, bankruptcy or County Court Judgements (CCJs) don’t mean you’ll never be able to get a mortgage. With the right advice for adverse mortgages, a little expert help and all the insight you need into the mortgage process, you’re far more likely to set yourself up for success.

Bad credit and debt can seem like an insurmountable obstacle when you think about buying a house, flat or other property. But that doesn’t mean it’s impossible. At InTouch Financial Advice, we specialised in supporting families, couples, and individuals from all walks of life. Whether you’ve got a bad credit rating due to credit cards or you have past missed payments on a mortgage, our expert advice is the ideal way to discover all the opportunities available to you. Debt isn’t the be-all and end-all – especially when it comes to adverse mortgages.

Our friendly and empathetic team has seen it all over 30 years of experience. That means we have the insight and knowledge needed to help people with bad credit find the mortgage that works for them. All our costs come directly from the lenders we connect you with – so our services are convenient and fee free to you. There is no downside in consulting with a professional service; and with our unique blend of expertise, UK lender connections and excellent reputation, we’re the ideal choice for you.

STEP 1

Call Mon-Fri 9am-7pm, Sat-Sun 10am-6pm or request a call-back here.

STEP 2

We’ll help you identify affordability and make some recommendations based on our fact-finding.

STEP 3

Proceed with credit score and application with the lender.

Got some questions?

With complex financial matters, you’re bound to have questions. Take a look at some of our most commonly asked ones.

Are you an independent adviser?

InTouch Financial aren`t independent advisers - but that shouldn't put you off. Because in most cases we are paid by the lender or provider. We don't offer you a limited solution to your mortgage or insurance requirements. Instead, we have plenty of different options, allowing us to advise you on the right service for your specific needs and circumstances.

How much will InTouch charge me for using your services.

Our service charter ensures that where possible we will elect to be paid by the lender or provider. Thus, ensuring your initial outlay is kept to a minimum. A core principle within the company. However, there may be circumstances where we will need to charge a fee. Typically , re-mortgaging to consolidate debt, repaying, or transferring an equity loan such as with Help to Buy. Your adviser will discuss if a fee will be needed.

Can you help me with my mortgage and my insurance?

Absolutely! Many of our clients return to us following mortgage advice to seek advice on life insurance or home insurance. We specialise in both areas, and we're well-placed to offer our expertise for mortgages and insurance separately or as a single package.

Do you complete the mortgage application for me?

Yes. We help you throughout the whole application process. Our extensive knowledge and expertise in the mortgage application process will ensure you get the right mortgage for your circumstances. This is one of the huge benefits to using InTouch Financial, we are by your side every step of the way.

Can you guarantee approval on a mortgage?

We only advise our clients based on the information they provide to us. As we are not lenders, we cannot guarantee that you will be approved based on our recommendation – especially if we aren't equipped with all the information. However, using our financial advice service for your mortgage will make it far more likely that you will be approved, as you have insight and knowledge going into the applications process.

Can you help me buy a house if I have bad credit?

One of our speciality services is adverse mortgages, which are mortgages designed for individuals with missed payments, poor credit or self-employment income. While we cannot guarantee you will be approved to buy a house, our professional mortgage advice can help you find mortgages that may work for you, regardless of your current circumstances.

Do you arrange my insurance for me?

We provide comprehensive advice and recommendations for a range of different insurances. Guiding you through the different cover types, only recommending what we feel is the right solution for your needs.

Mortgage advice when you have a negative credit file

Mortgage advice when you
have a negative credit file