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| Malcolm can sort out a mortgage for you even if you have an adverse credit rating, subject to terms & conditions of course. |
| We have independent access to thousands of mortgage deals - from the "High Street" to specialist Adverse Credit Lenders. However, it is fair to point out that the more specialist a request is, then the smaller the choice will be. Our main areas are mortgages with the following backgrounds:- CCJs and Defaults Discharged Bankrupts, or running IVAs Arrears or Repossessions Self Certified Income Mortgages - for the Self-employed, or Employed people who have a large element of commission, or two or more jobs. ... and those seemingly impossible ones, that are always worth a try......you might be surprised. If you have had problems in the past, or feel that any of the above may apply to you, please do not hesitate to contact us for a simpathetic look at your case, or alternately, you can fill in our special case feedback form. Mortgage Quote Form |
Adverse credit mortgages are available from Malcolm Online. Complete our Mortgage
Quote Form and Malcolm will be able to give you a decision in
principle within 24 hours.
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Product
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Loan to Valuation
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CCJs per Applicant
|
Defaults |
Arrears
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Interest Rates From
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Bankruptcy Discharge Period
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IVA
|
|
A
|
95%
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Max £3000 Non in the last one year | Less than £100 in the last 12 months |
None
|
5.5% Fixed
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3 Years
|
No
|
|
B
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95%
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Max £5000 none in last six months
|
None in last six months
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None in last six months. One in last twelve months
|
6.5% Fixed
|
1 Year
|
1 Year
|
|
C
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90%
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Max £5000
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£5000 in last six months
|
Two
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6.25% variable
|
1 Year
|
Well conducted
|
|
D
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90%
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Max £10000
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Ignored
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Nine in last 12 months.
|
7.25% Fixed
|
Discharged
|
Well conducted
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E
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85%
|
£7500
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£7500
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3 in last twelve months
|
6.75% Variable
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Discharged
|
Well conducted
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F
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85%
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Unlimited
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Ignored
|
Unlimited
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7.75% Discounted
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Discharged
|
Well conducted
|
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G
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80%
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Unlimited
|
Ignored
|
Unlimited
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6.80% Discounted
|
Discharged
|
Well conducted
|
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H
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75%
|
Unlimited
|
Ignored
|
Unlimited
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5.99% Fixed
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Discharged
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Well conducted
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Licensed credit brokers. Written quotations on request.
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