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If you have been turned down for a credit card or loan, then you need to find out why your application was rejected before you apply for a mortgage.
Every lender has different criteria and many more factors are taken into account when applying for a mortgage – such as your salary and ability to pay. It may also depend on who you applied for your loan or credit card with. If they are a lender who will not consider anyone who has any black marks on their credit history, then you may still find that another high street lender would have given you the go ahead for the credit card or loan.
Find out which credit reference agency the credit card or loan company used, and contact them to see a copy of your credit report. You will then be able to ascertain what the problem is, fix it if possible, and then use that knowledge when you apply for your mortgage. For example, if you can amend your credit report then you will be free to apply for a mortgage with any lender. If your credit report retains the ‘black mark’ then you will need to apply to a lender which allows those with a bad credit history to borrow from them, and accept the slightly higher borrowing charges. Once you have been paying your mortgage for a few years your credit rating will have returned to normal, and you will be able to remortgage with a regular lender at normal, competitive rates.
If you have experienced problems, such as mortgage arrears in the UK, court orders, defaults or been refused a loan before, CCC Financial can help you. We can assist you to get the credit you deserve, whatever your circumstances.
Find out how CCC Financial can help you with your mortgage arrears in the
UK.
Borrowers with a history of mortgage arrears in the UK will find it harder to effect a further mortgage with their current lender or a new lender in the future. If you Need a loan? to help with your mortgage arrears in the UK, you might think nobody can help. However, there are a number of lenders who will consider lending to credit impaired individuals, and CCC Financial is one of them.
We specialise in loans for those with mortgage arrears in the UK, so it is more than likely we can assist you, even if others have turned you away – and we don’t charge up-front fees for arranging this facility, either. Compare our rates with your bank or building society and you’ll be very surprised.
To find out exactly what we can do for you, why not fill out an Online
Application Form for a quotation without obligation.
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