Southend-on-Sea Adverse Credit Mortgages

We truly believe at Central Mortgages that people with adverse credit shouldnbt be blocked from applying for a mortgage. We provide options for those individuals looking for adverse credit mortgages in Southend-on-Sea, who may have been knocked back from previous applications with traditional high-street lenders. Obtaining any mortgage is always a process that is better served with mortgage experts beside you to offer advice and guidance, no more so than for people with adverse credit.

Your application for a mortgage with adverse credit can be difficult for a number of reasons, with some of the following black marks attached to your credit file for up to 6-years, impacting your ability to acquire credit in any form.

1. CCJ (Country Court Judgments) against your name

2. Any default payments or arrears

3. Any late or missed mortgage payments

4. Any late or missed credit card payments

5. Any late or missed store card payments

6. Bankruptcy notices against you or a company you are linked to

7. Company Voluntary Arrangement (CVA)

8. Individual Voluntary Arrangement (IVA)

9. If you have been part of any debt management plans

10. Agreements with Payday Loan Companies

11. CCJ from the HMRC

12. Proceeds of Crime Act (POCA)

13. Communications Arrears

It will be more difficult for you to acquire a mortgage in Southend if you have bad credit. However, it isnbt an impossibility, and Central Mortgages can help you out with our range of mortgage lenders in a position to assist you.

If you are looking to apply for an adverse credit mortgage in Southend-on-Sea, contact Central Mortgages and our team will be more than happy to assist you.

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