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Bad Credit Mortgages by Omer Mehmet

A good credit history is really important, especially if you wish to apply for some of the best mortgage deals that are currently available.

However, if you have a poor credit history, that doesn’t mean you won’t be able to get a mortgage. You may not be able to get a mortgage with your own bank but there are a number of lenders that specialise in what’s known in our industry as ‘adverse credit lending’.

There are lots of reasons why you may have a poor credit history — it could be due to a life event, poor management of your finances or perhaps you simply weren’t aware of the financial consequences of not paying your bills on time.

You may have had multiple late or missed payments, county court judgments, defaults, bankruptcy, an IVA, be in a current debt management plan or have previously had a property repossessed.

The first thing we would recommend is that you obtain a copy of your credit report from one of the credit reference agencies, such as Experian, Equifax or TransUnion. Once you have done that, get in touch with us here at Trinity Finance and we will be able to give you all of your options.

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