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If you've experienced financial problems in the past, or you are self employed, it's worth contacting a mortgage broker who specialises in non standard and bad credit mortgages for people who suffer with a low credit score.

A professional mortgage broker has access to mainstream and specialist lenders and can arrange deals for the self employed, people with poor credit history such as payment arrears, defaults, CCJs and bankruptcy and individuals turned down for a mortgage elsewhere.

Sub prime not a crime

At any point in time there are a substantial number of individuals who don't conform to the stereotypical profile of Mr and Mrs Average expected by most high street lenders. Reports vary on the proportion of borrowers this might include, but you can rest assured there are some lenders who are more inclusive. These lenders look beyond a credit score and examine each case individually, taking into consideration the whole picture to determine whether they consider you a suitable borrower.

The main reason people fall under what is known as the 'sub prime' umbrella is because they have endured previous credit difficulties and consequently have a bad credit rating.

Divorce and redundancy are becoming more prevalent and are among some of the reasons why people can find themselves experiencing financial difficulty through no fault of their own. Amidst a culture of borrowing and consumer credit, there are occasions where people have taken on too much debt and found themselves struggling to make repayments. Prospective borrowers who have no credit history at all, individuals who do not appear on the electoral roll, and people who have moved a number of times in a short space of time can also find themselves categorised as a non standard or non conforming borrower.

The choice for non standard borrowers

Specialist bad credit lenders offer an opportunity to those with a poor credit record to get a mortgage, rehabilitate their finances and improve their future credit rating. Up until the economic recession and credit squeeze, more than 30 lenders operated in this sector including global investment banks and specialist arms of high street banks who underwrote a broad spectrum of cases, from people with minor financial misdemeanors to those with heavy adverse credit. Today the situation is much different, with only a handful of lenders and borrowers needing a large deposit, in most cases 20% to 50% depending on the severity of their credit rating. Furthermore, lenders will consider you a higher risk, so rates and fees for non conforming borrowers will be higher than mainstream counterparts.

Get expert advice and guidance from a specialist advisor

With access to some exclusive bad credit mortgage and self employed mortgage deals, many of which are not available in the high street, the self employed or people with a bad credit rating can get help even if they have been refused elsewhere. Each application is looked at on a case by case basis, so if you have an adverse credit history, poor credit rating, low credit score or are self employed, you'll get advice on the best mortgage or remortgage deals available to you.

No Obligation

Whether you're a first time buyer or looking to buy your next property, help is available. Regardless of your financial situation you'll get advice on what options are available to you. Quotations are FREE so it costs you nothing to see what your options are. Simply complete our no obligation enquiry form.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. is a trading style of First 4 London Ltd which is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority number 450731. First 4 London Ltd, registered in England and Wales company registration number 04147068. Registered office: Brook House, Mint Street, Godalming, Surrey GU7 1HE. VAT registration: 810007494. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

All enquiries are dealt with by an FCA regulated mortgage broker who specialises in assisting borrowers who are regarded as non standard such as those with a background of poor credit. The details of the broker will be confirmed to you on screen once you complete the enquiry form. The initial consultation is free and without obligation. Should you proceed, the broker may charge a fee for their service up to 1%. The broker will provide you with details before you commit.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at

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