If you've had bad credit in the past this doesn't mean you can't get a mortgage in the future

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    Getting a Mortgage with a Poor Credit Rating

    Securing a mortgage with a poor credit history can be difficult due to the attitude of many mortgage lenders. Some lenders will only offer mortgage deals to those with perfect credit scores and an ideal deposit, leaving the ones who don’t without an option. At AP Mortgage Solutions, we believe everybody has the right to purchase their own home, regardless of their credit history. This is where bad credit mortgages come in.

    Sometimes you can get into debt through no fault of your own and you may struggle to get out of it. Bad credit mortgages, also called adverse credit loans, provide homeowner loans to those with a poor credit history or those with large amounts of debt.

    Mortgage Calculator

    Please try out our mortgage calculator below to see what your mortgage repayments might look like. Please bear in mind that this is only an estimate and a guide and is not an indicator of what is available, please contact us for more information.

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    Mortgage Calculator


    Applying for an Adverse Credit Mortgage

    Some lenders will allow you to apply for an adverse credit mortgage, but it’s unlikely you’ll receive the same mortgage products as standard loans. Interest rates would likely be higher and if purchasing you may be required to put down a larger deposit. These measures are all put in place to protect the lender.

    You’ll have to prove that you have means of meeting the monthly repayments, through employment records and bank statements. If you are accepted for a bad credit mortgage and maintain a good payment record for a period of time, we would then endeavour to find you a better deal with more reputable lenders as soon as your circumstances allow.

    How to Secure a Bad Credit Mortgage

    When applying for an adverse credit mortgage, it’s likely your lender will ask plenty of questions and ask you to provide plenty of evidence. At AP Mortgage Solutions our expert team can help you through the application process, improving your chances of securing a bad credit mortgage.

    Whether you have:

    • No credit history
    • Missed credit payments
    • Payday loans
    • Poor credit score
    • Multiple credit issues

    We can offer our advice and support. Get in touch with AP Mortgage Solutions for more information on bad credit mortgages.

    Our Services Cover...

    As nationwide whole of market mortgage brokers, our mortgage advice services extend to customers across the UK. Whether you’re based in The Highlands or down on the southern coast, we can help.

    Contact AP Mortgage Solutions if you are struggling to secure a mortgage. Our team have years of experience in the industry and can help your unique situation.

    Your home may be repossessed if you do not keep up repayments on your mortgage

    Remortgage Downloads

    Below are some PDF files that you may find useful when considering taking remortgage

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    What is a remortgage

    We hope the remortgage video helps explain things but if you're unsure then just drop us a line and lets talk about your options

    Can I borrow additional money when I apply for my mortgage?

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    In some circumstances you are able to borrow more that the discount purchase price when you make your application. The only reason you are allowed to borrow more money is for home improvements and not all lenders allow this as part of their lending policy around right to buy.

    As an example of what may be possible lets assume you are buying your council home and you have a discount of 40% and the value of your home is £100,000.

    Specific lenders would allow the following – you could use the 40% discount as the deposit and ordinarily borrow £60,000 to purchase your home, but you think that you’d like to renovate the kitchen and bathroom. You know that this will cost you £15,000 to do. as long as we have quotes showing this then some mortgage lenders will allow you to borrow £75,000 (£60,000 for the purchase and the additional £15000 for the renovation works) at the same time.

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    If you’re thinking about applying for the right to buy the first place to start is by talking to us so we can make sure that you’ll be able to get the mortgage that you’ll need. Once we have confirmed you are eligible for a mortgage we can help you with the right to buy application and talk you through the full process along with helping to explain the legal side and making sure that your paperwork is filled in correctly to prevent time wasting and unnecessary delays to your home ownership.

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