Poor Credit
Get a Mortgage With Poor Credit
That’s where we can help.
At Mortgages in Lincoln, we understand that poor credit can make it more difficult to get your new home. Whether you are discharged from bankruptcy of having an IVA or if you CCJs, defaults, or missed payments, we will help you to get your new home as soon as possible. With over 20 years of experience in the industry, our team specialises in helping clients with adverse credit find mortgage solutions tailored to their unique circumstances. We work closely with lenders who look beyond your credit score, offering expert advice and guidance every step of the way. Let us help you take that first step towards securing the home you deserve, no matter your credit history.
Can I get a mortgage if I’ve had a CCJ?
Yes, it is possible to get a mortgage if you’ve had a County Court Judgment (CCJ). While a CCJ can make securing a mortgage more challenging, it doesn’t automatically disqualify you. Many specialist lenders are willing to work with clients who have had credit issues, including CCJs, depending on factors such as how long ago the CCJ was issued, whether it’s been settled, and the size of the deposit you can offer.
At Mortgages in Lincoln, we have experience helping clients with CCJs find mortgage solutions. Our adviser can guide you through the process and connect you with lenders who consider your overall financial situation, not just your credit history. It’s essential to have professional advice to increase your chances of securing the right mortgage.
- How much can you afford to borrow?
- How much deposit will you need and when do you need it?
- What costs are involved?
- What are your mortgage options?
- How long does it take?
Our Commitment to First-
Time Buyers in Lincoln
- Simplifying the Process: We know that getting your first mortgage can seem daunting. Our team are here to simplify the process, providing clear, jargon-free advice every step of the way.
- Support beyond mortgages: Buying a home is about more than just securing a mortgage. We assist with property searches, liaise with estate agents, and offer advice on legal and surveying services.
- Flexible Appointments: We understand that you may need appointments to suit childcare or work. Our advisors are available for appointments at times that suit you, including evenings.
- Ongoing Support: Our relationship doesn’t end once you get your keys. We offer ongoing support and advice, helping you manage your mortgage effectively and plan for your future. We will also help you when it comes to remortgaging.
Ready to Take the First Step?
Contact Mortgages in Lincoln today to schedule your appointment. Let us help you turn your dream of owning a home in Lincoln into a reality.
Client Testimonials
