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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.



Avoiding a Bad Credit Record
Click Here for the Adverse Mortgages guide to how to avoid a bad credit record when you can't keep up with the payments on a mortgage, loan or credit card.

Guide to Remortgaging
Click Here for the Adverse Mortgages points to remember when looking to Remortgage a property.

Faced with Repossession
Click Here for the Adverse Mortgages guide to what to do if you are faced with repossession.

Mortgages and Divorce
Click Here for the Adverse Mortgages guide on how to deal with your mortgage on divorce.

your credit file
Click here to find out how to get your credit file. This will give you an insight into what a potential lender sees, when they carry out a credit search.

self employed?
If you are having difficulty getting a mortgage due to any of the following:

. Self employed with no accounts
. Low net profits
. Self assessment
. Recently self employed

We can help




Guide to Remortgaging



Why remortgage?
  • A better interest rate from a new lender and therefore lower payments.
  • To raise money (for most purposes) from the equity in your property by increasing your mortgage but through a new lender.
Points to remember:

What will it cost?
Moving from your existing lender can be expensive.
Check the following:
  • Does my ex lender charge penalties for early redemption? If so, how much?
  • What are the legal fees ?
  • Survey fee ­ how much?
  • Arrangement fees ­ can be charged by your new lender and your broker. How much?
Shop around!
Some lenders absorb the legal and valuation costs to make it easier to remortgage.

Examine the whole deal
Whatever offer you are made, check to make sure that the terms and conditions are suitable to you. The most attractive interest rates can hide heavy redemption penalties and other charges, which might not be made clear to you at the time you fill in the application form.

Mortgage brokers
If you use a mortgage broker, they can save you time in searching for the right deal, but make sure that they are registered under the Mortgage Code and can give you a clear terms and conditions statement as well as what fees they charge. Never deal with any broker who expects you to pay up front for advice.

Broker fees
If you use a broker, they are remunerated in a number of ways. In many cases they receive a fee from the lender to whom they recommend you. If it is over £250, they are obliged to inform you how much they receive. As a rule, most brokers will make a charge for their services based on a percentage of the loan amount, paid only on completion on the deal.

Poor credit record?
If you are looking to remortgage because you wish to pay off arrears or have a credit problem, your choices are much narrower. High street lenders might be unwilling to lend to you but try them first. If they will not lend, you should then approach lenders specialising in helping people with impaired credit records. Brokers will have access to these lenders, however, bear in mind that you should not have to pay any upfront broker fees. Adverse Mortgages Mortgage Solutions is one such broker.