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Why choose Endsleigh for Bad Credit Mortgages

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Even if you have a history of credit problems, there are many mortgage lenders who will appraise your circumstances and offer a mortgage regardless of previous payment difficulties.

What is classified as 'bad credit'?

Any history of poor credit usage can be regarded as bad credit, including previous mortgage arrears, non-payment (or late payment) of bills or credit cards, county court judgements (CCJs) and even bankruptcy.

Even though you may not have realised it at the time, there's a chance you may have a bad credit rating, which means a lender will need to take a fresh look at your credit status before proceeding with your mortgage application.

Will my mortgage be any different as a result?

The mortgage you are likely to be offered if you have a history of bad debt is sometimes known as a sub-prime or non-standard mortgage. It is no different to a standard mortgage, except that it may be offered at a slightly higher rate.

Once you have been successful in obtaining your mortgage, your credit history immediately improves. As long as you keep up the repayments for a period of time, you will eventually be entitled to re-mortgage to a fully standard mortgage and therefore enjoy a wider range of options.

After applying to 3 independent mortgage advisers who couldn’t offer me any type of mortgage, the staff at Endsleigh re-assured me that they could help me buy my first home regardless of my financial history. Within 1 week of applying, I was accepted for a mortgage with a competitive rate. I always recommend Endsleigh Financial to anyone looking for their next mortgage.
HD, Cardiff

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Endsleigh Financial Independent Tailoring is a trading name of Endsleigh Independent Financial Services Limited which is authorised and regulated by the Financial Services Authority. This can be checked on the FSA Register by visiting its web site at www.fsa.gov.uk/register.
Endsleigh Independent Financial Services Limited. Company No: 4132605 registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.