Mortgage and Remortgage Situations and Solutions

Adverse credit? CCJ's? Mortgage arrears? Self certification? Self employed? Retired? Remortgaging? Let us search for a mortgage or apply directly for a remortgage.

Getting a mortgage or remortgaging your home can be a daunting process - but don't worry, we make it easy for you. In fact, our friendly, professional web site has already helped people from all walks of life realise their dreams, so let us help you too. Don't let your credit problems or employment situation hold you back! 

Applying online for a UK remortgage - you are under no obligation, you can cancel at any time up to completion and you won't have to pay any upfront fees.

Adverse Credit? 
We can help you consolidate your debt if you have adverse or bad credit! Even if you have been turned down before we will search for a bad credit mortgage that meets your needs. We know that high street banks may not be able to help if you have CCJ's, mortgage arrears or a bad credit history, but we will search over 100 different mortgage lenders to find the best adverse credit mortgage to suit your needs and circumstances.

It's a fact of life, over 40% of UK residents have experienced credit problems.

These range in seriousness from £250 County Court Judgments (CCJs) to full blown bankruptcy of many millions. 

What ALL of these cases have in common is a "poor credit rating". In the past it would have been almost impossible to get a loan, secured or unsecured from ANY source.

The demand for mortgages and remortgages means mainstream lenders can still be "extremely selective" and ONLY accept loan requests from people with perfect credit scores. They OFTEN turn away or refuse point blank loans for people with less than a perfect credit score.

Over the last few years a new type of mortgage lender has emerged who service the "SUB PRIME" market i.e. people with a poor credit rating.

Initially, UK sub prime lending rates were extraordinarily high with costly arrangement fees. 

However, due to market forces of "supply and demand" the gap between "prime" and "sub prime" interest rates have narrowed dramatically. 

In some cases a sub prime lender will now ignore minor CCJs and defaults and even in the most extreme bankruptcy cases, they will often provide reasonable solutions providing the loan can be secured on property WITH  equity.

Arrangement fees for sub prime loans are now VERY competitive and depending on your personal circumstance non existent. Apply for a non status mortgage today

Employment Problems? 
We understand that if you are self employed, retired or looking for a self certification mortgage, you may have experienced problems! We are different; we will listen to your situation and find a mortgage to suit your needs.

Remortgaging? 
A Remortgage is the sensible way to raise cash - especially with increased house prices. We can help make moving your mortgage and releasing the cash in your home, a simple and uncomplicated process.

The great thing about this is the fact that you can usually still benefit from lower monthly repayments, as low mortgage rates means you can clear other more expensive debts and have cash left over to improve your home. 

"Rate Tarts"
The mortgage industry has coined the rather unflattering term "rate tart" for people who move their mortgage around frequently whilst seeking the best deals on offer. 

So called "rate tarts" owe NO allegiance or loyalty to lenders who have probably NEVER shown them any!

1st4 brokers believe people who look for the best deal for their personal circumstances should be called "RATE SMARTS". 

THERE IS ABSOLUTELY NO SHAME IN ARRANGING THE BEST POSSIBLE REPAYMENT TERMS FOR PROBABLY THE LARGEST LOAN ANY INDIVIDUAL OR COUPLE EVER COMMIT TO. Apply for a remortgage today!

Buy to Let Mortgage? 
The current low interest rates and a high demand for rented property make buying property to let an attractive, and viable proposition, and not just for the professional landlords! In today's property market, more and more private individuals are realising the benefits of buying additional property as a business venture, and with our help you could too! We can help you with buy to let mortgages even if you have experienced previous credit problems. Apply for a buy to let mortgage today

First Time Buyers? 
Buying your first home can be a scary prospect - especially making sure you've got the right mortgage. But that's where we can help. We'll search over 100 different mortgage plans from leading banks and finance houses and find the lowest rate mortgage available to you that meets your needs. 

If your home is built of non-traditional materials you could be refused by traditional high-street lenders. We understand that a two-up two-down may not always be the case and we want to help you get a mortgage or remortgage that is as individual as your property. Apply for a non standard or first time buyer mortgage today.

Right to Buy/Buy your Council House? 
We can help you purchase your council property and make the most of the discount you're entitled to! It's a great way to get on the property ladder and often easier than taking out a much larger mortgage for an open market property.

Building your Own Home? 
Self Builds are becoming more and more popular - and now there's nothing to stop you owning the home of your dreams. So whether you are thinking of building your own home for the first time, or are an experienced self-builder and need to fund your next project, we could help. Make your dream of owning your own home happen.

Home improvements? 
A home improvement remortgage is a great way to free up the cash built up in your home - and now more and more of our customers are using this cash to add value to their property even further with a new kitchen or bathroom, or even some double glazing.

If you are worried about employment status or past credit problems? DON'T! We could still help. Click here to apply for a mortgage or remortgage for any situation.