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Personal Loans For Bad Credit- Credit History Sees A Decline In Loan Decisions
When Mr. Thomson, your next door neighbour, returned from his
second trip in a month, you were bound to say how. How come Mr.
Thomson, who is on the same rank as you, enjoy so many expensive
holidays, when you have your wife and kids swearing on...
Screening Out Prospective Tenants Based on Credit Checks?
Increasingly, landlords throughout North America are screening
prospective tenants in order to reduce the risks involved when
renting to unknown individuals. Risks which can easily become
quite costly to an unsuspecting landlord.
It's easy...
Searching For A Low Interest Credit Card?
These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Some of us tend to carry a balance, so we need a low...
The Forbidden Fruit: Marketing Credit Cards Online
A common question and topic of discussion among Internet marketers is, “What market should I go after?” The number of answers to this question are as varied as there are grains of sand in the Sahara, but there is one thing that I have noticed in my...
The Right Way To Credit Repair
The Right Way To Credit Repair by Dan Farrell If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished. Once you have a bad credit rating, it might seem like there's...
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You can still remortgage even with bad credit!
If you wish to organise a bad credit remortgage, don’t just head automatically for a specialist....
A good mortgage company will adjust its lending criteria to suit the times, thus lenders are constantly evolving to suit the remortgage UK market. As a result, some mortgage providers have adopted a more accommodating attitude towards bad credit.
Credit problems - the result of not being able to make a payment on a financial agreement - range from a small, unintended mispayment of a bill, to a large repeated mishandling of personal finance.
A mortgage provider will be wary of lending a sizeable amount to someone with a proven track record of falling into arrears.
You may be at one of the following stages:
1) You’re having problems getting credit – such as a personal loan, credit card or mortgage – on the high street
2) You already have one of the above, but have missed a couple of payments so are unsure where you stand
3) You’ve had problems in the past and are currently on a specialist loan at a high interest rate
Rather than calling a specialist in bad credit
loans, why not try a reputable mortgage broker first?
A good broker will be able to assess your case and will know which lender might be sympathetic to your circumstances. A lot of it will depend on how bad your credit history is and what the loan to value is on your mortgage.
However, you may be surprised to find that rather than being placed on a bad credit mortgage loan with a high interest rate, you may be offered a standard loan at the same rate as any other borrower.
If you’ve had problems in the past and have been paying a high rate for several years now, your recent track record might be enough to render you eligible for a standard loan. In other words, you may be able to switch to one of the best mortgage deals on the market.
About the Author
Anthony Harrison is Managing Director of Capital Mortgage Solutions. They are a specialised UK mortgage broker who help people with credit problems obtain mortgages when they may have been refused elsewhere.
Visit them at www.capitalmortgagesolutions.co.uk
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