| We all want to have a bit of extra cash to cushion us against unforeseen circumstances. Sometimes, however, it is difficult to find large amounts of cash to fund the unexpected, especially if your credit rating has been affected badly in the past. |
| County Court Judgements, CCJs. |
| Arrears on your mortgage. |
| Mortgages with CCJs |
| Individual Voluntary Arrangements (IVAs) |
| Mortgage Lenders that accept CCJs |
| Pay off county court judgements with a remortgage |
| Bad Debt Consolidation Loans with CCJs |
| Should you have difficulty in proving your income or need Self Certification. |
| Discharged Bankrupt or need to Annul Bankruptcy |
| Threat of Repossession by your Creditors |
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You may have a CCJ (County Court Judgement) registered against you and find it difficult to obtain credit from normal lending institutions. YourDebtsCleared.com should be your first port of call when trying to solve such problems, as we are the experts in mortgages and remortgage problems. |
| Our trained consultants will be able to give you expert advice on your problem remortgage and the solutions open to you. Your credit profile may no longer be a major deterrent, as we have access to some of the major mortgage brokers who may assist with problem mortgages. |
We assess all applications individually and your remortgage will be tailored to your specific circumstances. |
| Mortgages |
Once you have secured a mortgage with a lender, it’s something that you often forget about. However, market conditions change and variations in mortgage interest rates could mean potential savings over the period of the mortgage. It’s good to give yourself a financial health check once in a while to ensure that you are getting the best deals the market has to offer at that time. YourDebtsCleared.com can help review your current mortgage situation and can assist you with mortgage refinancing. |
| Mortgage refinancing is about reviewing your current mortgage provision and looking at what is available in the market place at that time, for example, a mortgage with a lower interest rate or better terms, to replace your existing one. The new mortgage could be with the same lender or it could be with an entirely different one. |
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| When refinancing your mortgage something you do need to consider and review is the small print of your mortgage contract as early repayment penalties may be charged if you refinance your mortgage. It is worth remembering that lenders are eager to retain or gain your business. We can offer you advice and support on this. |
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Many homeowners are in the fortunate position of having built up equity in their home as property prices have risen over time as the property market has been buoyant. They may choose to refinance their mortgage for a larger sum so they can undertake home improvements, pay off or consolidate debts, pay for a family holiday or perhaps even finance a wedding. |
If you are thinking of refinancing your mortgage and would like our free advice, don’t hesitate to call us free on 0800 682 2000 today and speak to one of our qualified consultants. We will discuss your situation and the options open to you. |
| Bad Credit? |
Having a bad credit mortgage might no longer be such a big setback. There are many people affected by this and it is often due to circumstances beyond their control. We have a specialist team of mortgage advisors who are here to help you secure a mortgage. |
A bad credit mortgage, also known as an impaired credit mortgage, might benefit you if you have been previously declared bankrupt, had arrears on a mortgage, or if you have suffered any other debt problems. Some of these problems may simply be that you have a County Court Judgement (CCJ) against your name. CCJs are the result of non-payment of a utility bill, for example, and it may negatively influence your ability to buy a property. |
A few years back, there were only a handful of specialist bad credit mortgage lenders. This has changed over the years and finding a mortgage lender who is willing to deal with someone who has bad credit has become much easier. Now there are specialist divisions within banks and building societies that deal with such mortgages. There are a range of mortgage solutions for you too. Lenders can offer fixed, capped, discounted, tracking and flexible bad credit mortgages and re-mortgages. We shop around for a deal and a rate that will suit your financial situation and the payments you can afford to make each month. |
Should you qualify for such a mortgage, also known as non-conforming or adverse credit mortgages, you might find that the interest rate is slightly higher than that of a normal mortgage however, be rest assured that help is available to those who would normally be declined a mortgage. |
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