Neil Downing

Adverse Credit

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MORTGAGE ADVISER

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Mortgages made simple......

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Adverse Credit


If you have:

  1. defaults,
  2. county court judgements,
  3. arrears on loans or your existing mortgage,
  4. have entered into a voluntary arrangement or
  5. are a discharged bankrupt

 

we may be able to help.

Most high street lenders will not accept mortgage applications from individuals who have, or have had, any of the above.

We have access to dozens of lenders who have several solutions to help you if you find yourself in these scenarios.

We aim to find the most competitive deals for you, and we will keep you fully informed of your application's progress right up until completion.

The overall cost for comparison is 7.6% APR. The actual rate available will depend on your circumstances. Please ask for a personalised illustration.

 

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


Typically we do not charge a fee, however if we do, depending on your circumstances, it will be a maximum of 2% of the loan amount borrowed. On a mortgage amount of £100,000. the fee would be a maximum of £2,000. payable on completion of your purchase. The actual amount will depend on your circumstances.

For further details please read our initial declaration document.

click here to download our Combined Initial Declaration Document

 

 

 

 

Neil Downing is an Appointed Representative of  Home of Choice Ltd

which is authorised and regulated by the Financial Services Authority
 
FSA Ref no 472910