Bad Credit Mortgages
- Why Use Us

What you would have to do without the bad credit mortgage broker support

If you have a bad or adverse credit record you may feel that it is not possible to get a mortgage. Depending on your circumstance there are lenders who do bad credit mortgages which they describe as "adverse credit mortgages" or using the more technical expression "sub-prime mortgages". The rule of thumb is generally that the lighter the bad credit (possibly 1 county court judgement or CCJ for short) the lighter the increase on the rate of interest and terms and conditions applying. It is true though that it is harder to find a good quality bad credit mortgage without the professional help and knowledge of an expert in the mortgage business.

Find the right bad credit mortgage or adverse remortgage

» You would have to research all the different mortgages and loan schemes available and hope you find a cheap bad credit mortgage and the best one to meet your circumstances when remortgaging or buying a house. Remember not all lenders arrange poor credit mortgages.

» Research all the different types of bad credit mortgage rates to find the one most appropriate to your situation and be aware of the degree of additional interest charged for the poor credit mortgage aspect. Go to lots of high street bad credit mortgage outlets for information on house purchase or remortgage and sort out which has the cheapest rate for a loan that suits you.

» Attend time consuming bad credit mortgage advice interviews to check you qualify for your chosen lender’s adverse credit mortgage schemes assuming they deal with adverse credit mortgages.

» Check nothing has changed since you decided on a particular lender Wait for the adviser to assess your situation and get provisional approval of your required adverse mortgage loan.

Once the bad credit mortgage advice has been accepted you then have to:

» Sort out a reliable surveyor to check that your property purchase is sound.

» Find a solicitor who is experienced in conveyances and remortgages.

» Check that all the paperwork is correct and suitable to your house purchase or remortgage.

» Resolve any queries and problems arising from the advice of your professional team.

» Ensure that you have anticipated all the upfront costs correctly and are aware of deposit requirements etc so that your house purchase can proceed.

» Then you need to sort out the physical requirements of moving home.

Here's how Click n go can help you with Bad Credit Mortgage Advice

As mentioned earlier it is difficult for the lay-man or woman to effectively research bad credit mortgages and accurately establishes which the best adverse credit mortgage is in any given circumstance. This is where Click n go can help you. We have a depth of knowledge in non conforming bad credit mortgages as a whole and can help you through the mortgage maize and are able to use our contacts and expertise to find you the scheme best suited to your circumstances.

How we go about finding a mortgage

Firstly using a good independent sub prime bad credit mortgage broker advice is not usually free or cheap. It is true that we charge a fee for our support but you can see below the advice we give and the support you get throughout the process justifies the cost. It is also true that bad credit mortgages can often require a considerable amount of extra input from us as brokers to achieve the best results for you. But we promise that our fees will honestly reflect the amount of additional work done on your behalf.

The first way we can help you is to look at the whole adverse credit mortgage market, not just the high street, for the most suitable bad credit mortgage loan using sophisticated software that is updated daily to give you the most accurate advice and cheapest bad credit mortgage deals available in the market. We will use our professional knowledge to present you with the bad credit mortgages that you will find most suitable. Remember not all loan schemes are available to the public direct and that cheap is not always best. Some cheap bad credit mortgages schemes are available only through specialist bad credit mortgage brokers and not to the public directly. It is because we trade as an independent broker that we can provide you with such a wide range of poor credit mortgage products. We will advise you on the cheapest among the type of rates available (fixed, variable, capped, collared or tracker) and how they can benefit you. We will maintain long term contact with you to ensure that your changing needs are met once any fixed rate period has expired and support you through any changes that need to be made.

How quick is the bad credit mortgage advice process?

The second most important help we can give you is to ensure that you are supplied with quick, accurate and up to date sub prime bad credit mortgage advice. You will need only one detailed discussion with us to establish your situation once you have completed our short online application. This advice can be given over the telephone with written confirmation issued by us within 24 hours. We can source the right bad credit mortgage scheme for you from all those available in the market as a whole and not just the high street.

Once the initial discussion is completed we will obtain an offer in principle which will indicate how much the lender is prepared to lend to you provided the information obtained in our initial discussion is supported by satisfactory paperwork. A significant part of our bad credit mortgage advice is to ensure that you can afford the adverse mortgage and are aware of the costs of buying a property. Many bad credit remortgage schemes have a free fees offer which will help you to achieve as cheap a remortgage as possible. Again we would point out that cheap is not always best and that it is the whole mortgage scheme that has to be considered not just the fees.

Supporting your adverse credit mortgage application

As your broker we will monitor and ensure that the correct documentation is supplied to the lender to support the information supplied at the time of our adverse mortgage advice and the application in principle. We can also help you find, and if necessary correct, the bad credit records held by credit agencies which may be incomplete or incorrect. It may be that we can improve your bad credit mortgage history by helping you check that records held are accurate and putting right those that are wrong.

As we mentioned above our systems are updated daily to ensure that the bad credit mortgage advice we provide is bang up to date. We will hear of any changes at the earliest opportunity and update you of its affect on your application to ensure you get a quick bad credit mortgage offer with the least fuss.

Helping you find professional advisors

We have regular contact with the surveyors and their reports. We can advise on the type of survey you should consider and help with any issues that may arise and the ways to go about obtaining further information that may be required regarding damp, dry rot or structural problems etc.

We have a panel of solicitors that we have come across in our routine business. They are both experienced in the legalities of the house purchase process and have demonstrated to us that they can provide a reliable service. It is of course up to you to select from this panel and it in no way restricts your right to choose one of your own. Our panel solicitors will provide an estimate of cost to help you make your decision.

Once the bad credit mortgage offer has been issued we will check to ensure that it reflects the loan you require and help sort any discrepancy or problems. We will help resolve and explain any queries raised by the professional advisers working on you behalf.

As part of our initial discussion we explain the costs involved and the likely amounts needed to fund your purchase and explain when these amounts fall due. We also provide a budget calculator to check that the bad credit mortgage is affordable on a monthly basis.

In doing all of this we enable you to concentrate on the property you want and the physical requirements of moving house and maintain you’re working life as normally as possible.

Our aim is to provide you with a complete service so that you will know how much you can borrow, find you a rate that is cheap and suitable to your needs. You will be able to find the best property you can get and buy it with the most competitive and effective loan available to you within the market. This will be provided in the minimum of time possible to ensure you win the race for your ideal property.

Remember the quality of our service is the strength of our business.