Bad Credit, Independent Financial Advice

Bad credit can blight all aspects of your financial life. You may not even be aware of it if you have not applied for anything like a secured loan or self cert mortgage in a few years. Many people are unaware that an old problem with mortgage arrears or not paying back a loan can stop you from getting credit , years down the line. Only when you try to apply for any form of credit does your credit rating get highlighted. Lenders do credit checks every time you ask about their services. This can be interpreted even if you are just shopping around, as being turned down for credit. So if you have bad credit, your credit rating gets worse every time you visit with a lender.

If you really want to be able to get a self cert mortgage or secured loan and you already have the stigma of mortgage arrears on your record you will have to devise a strategy to alleviate yourself of the rating. Talk with an independent financial adviser. They are there to help guide you through the myriad of options and obligations you are under as a debtor. They can help you to find a way out of your predicament and repair your bad credit rating, pay off your mortgage arrears and make you eligible for credit in the form of self cert mortgages and secured loans.

You need to be honest about the level of debt you are in and your aspirations for getting more credit. They will need to understand your credit history. They will want to know what went wrong and the reasons why. From this they may be able to offer you practical help in climbing your way out of debt, even repairing your credit rating so you can apply for more loans in the future. Be aware that the solutions required may necessitate curbs on your current spending and a fresh approach to how you manage your money. Be sure in your mind that this is the path you want to take then follow it to the end.

We can not promise you a Mortgage BUT we will listen no matter what your circumstances are.

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ABBEY FINANCE

0845-4567-847

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Actual rate available depends on circumstances ask for personalised illustration. The overall cost for comparison is 7.9% APR. Our representative fee charged is 1.25% of amount borrowed. APR variable and based on a usual case.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE