Bad Credit Mortgage Specialists
Ready to find a bad credit mortgage? Talk to a dedicated bad credit mortgage broker at Needham Mortgage Centre.
Understand your Bad Credit Mortgage circumstances, it takes 2 minutes & No Credit Check!
Don’t Let Bad Credit Hold You Back
A poor credit history can make it more complicated to find a mortgage or remortgage deal, but it doesn’t need to be impossible. With the right specialist help even people with low credit scores can find the right mortgage for them.
That’s where Needham Mortgage Centre comes in. Mixing specialist knowledge with excellent customer service and established relationships with lenders, we’re ideally placed to help you take the next step in your home ownership journey.
Excellent. 5 stars based on 1044 customer reviews.
Why use Needham Mortgage Centre?
The team at Needham Mortgage Centre are bad credit specialists. We understand how to get you a positive answer from lenders, whatever your credit score.
When you use us to find you a mortgage we go that little bit further. We don’t just look at one aspect of your credit history. We look at the whole picture. With that information, combined with our years of specialist experience we’re confident that we can find you a deal.
What sets us apart?
We Take Time To Understand You
We take the time to understand what aspects of your history of poor credit is making it difficult for you to find a mortgage deal.
A Mortgage tailored To You
We use the details you give us to determine which lender is most likely to approve your deal, at the best rate for your circumstances.
You Only Deal With An Expert
Whether you want a mortgage or a remortgage, we always put your interests first, you’ll only deal with one expert mortgage broker.
Fast and Efficient Process
We have access to deals you won’t find elsewhere. We speak to underwriters directly, so we can present your case in the best light.
Getting a Mortgage with Bad Credit
Why is getting a mortgage or remortgage less straightforward if you have poor credit? It’s to do with the way in which lenders make the decision of whether and how much to lend to you. Lenders will base their decisions on a number of different factors. How much do you want to borrow? How much do you earn? What outgoings do you have? And, the big one for people with a history of bad credit, how have you handled your financial responsibilities in the past?
Your credit history gives lenders a snapshot of your past relationship with money. Problems with loans, credit cards or mortgages in the past? They are all there for lenders to see. For many lenders actions they consider poor financial behaviour can have a strong negative impact on their likelihood to lend to you. But that’s not the full story.
All Lenders Are Not the Same
Different lenders have different criteria when approving mortgages. Not only that, lenders may have different criteria within their own products and those criteria are not static. All of this can make it very difficult for mortgage applicants to know where they will be able to find a lender who will accept their circumstances. Needham Mortgage Centre offers specialist help. We understand what lenders look for. We know what their criteria are. So when you tell us the details of your financial history, we know who to approach.
Needham Mortgage Centre
Advice you can really trust. Finding the right mortgage can be overwhelming, but The Mortgage Centres team is here to help. We offer tailored solutions for first-time buyers, remortgages, and investors, guiding you every step of the way.
Free initial advice
5 star reviews
Access to the whole market
Established over 25 years
Personal Service
County Court Judgements and Mortgages
Let’s take CCJs as an example. A CCJ shows that a creditor has taken action against you in the past to recover a debt. If you have a CCJ on your credit file many lenders, particularly mainstream lenders, will take this as an indication that you are a poor risk. They may then be reluctant to lend to you. We know however that there are many aspects to a CCJ. Things like how old the CCJ is, whether you have multiple CCJs and whether the CCJ is satisfied (the debt has been cleared). All these make a difference to how a lender will view any CCJ you may have. That’s why it’s important that you work with specialists, like us, to ensure that you have the best chance of finding a mortgage.
It’s not just CCJs. All negative events on a credit report such as missed loan repayments, missed credit card payments and even bankruptcy benefit from being examined by a bad credit mortgage specialist who can really explore your options.
