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Can I get a mortgage with a low credit score or adverse credit?

YES!

BOOK A FREE CALL TO FIND OUT HOW

What is Adverse Credit or a Low Credit Score?

Adverse credit or Low Credit Score normally describes the events on a person’s credit history.  It could be missed payments, defaults, debt plans and more.

This is also sometimes referred to as bad credit. It can make finding the right finance, mortgage or insurance more difficult.

That’s where we can help.

We’re a ‘whole of market’ broker which means we have access to the mortgage products that can help you.  We work with specialist lenders to help people just like you find the right mortgage and insurance products. 

These products can be complex as every lender has their own criteria and methods for lending. In most instances these lenders only work directly with trusted brokers.  The brokers have the knowledge to help secure the right mortgage with the right lender.

If your credit score has taken a hit, we can get help you moving. Whatever your background or circumstances.

Create the future you deserve by finding the right mortgage

Book Your FREE Call and find your mortgage

Can I really get a mortgage with adverse credit?

YES!  To get a mortgage with bad credit on your records, you will need to find a lender who is willing to accept your application and offer the kind of mortgage to suit your individual circumstances.

We can help guide you through the mortgage maze to find the best way for you to get the mortgage you want. The best way to get a mortgage with adverse credit is to start taking measures to improve your credit score and show that you are now a responsible borrower, no matter what your problems were in the past.

Here are a few common methods for doing this:

  • Close any unused credit accounts: that you don’t use.  It could be old credit cards and store cards you kept just in case
  • Check your credit record: for inaccuracies – you’ll be amazed how many people find incorrect information on their record or associations with people of a similar name or even family members. You will need to contact the three main credit agencies (Equifax, Experian and TransUnion) to send you copies of your report. There used to be a charge for this when it was done by letter only, but now it’s all online and free.
  • Settle as many debts as you can – it all helps clean up your credit record.
  • Register on the electoral roll.  Many lenders will not consider an application unless the applicant is on the electoral roll.  This gives more credit to your ID.

But why not give us a call first and find out what options could be available for you.   Then if the option you want isn’t available it’s possible to make a plan.

We can take a thorough look at your situation and give you honest, unbiased mortgage advice regarding your options going forward.  Simply give us a call today.

YES, I WANT TO BOOK A FREE CALL

Life doesn't always go to plan. Let us help you put it back on track.

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