Bad credit and CCJ mortgages and remortgages

If you have bad credit, remortgage might be the answer. Do you have a CCJ, or a poor credit rating that is preventing you from moving up the property ladder?

Our experts can help you repair and improve a bad credit rating and will offer you professional, straightforward advice on how to apply for a bad credit mortgage. A poor credit history need not be an obstacle to homeownership.

Call us now on 0845 2000 695 for professional, straightforward advice that will help you get the bad credit remortgage or bad credit mortgage you need.

What is a Bad Credit Rating
Lenders carry out checks on prospective borrowers’ credit records to identify any defaults on the repayment of previous loans. When a default is disclosed, the borrower is said to have a bad credit rating. So, if you fall into any of the following groups:

• Discharged Bankrupts
• People with a CCJ (County Court Judgement)
• People with arrears and defaults
• DWP Benefits claimants
• Self-employed with no proof of income

…you could have a bad credit rating, and may have difficulty securing a mortgage/remortgage or any other form of loan.

Overcoming your bad credit status

A bad credit rating does not necessarily indicate that a borrower is a high-risk candidate for a loan. There may a legitimate dispute over a bill, for example, that is no fault of the borrower. That is why Eclipse will not allow a bad credit rating to interfere with a customer’s right to a mortgage. Our range of bad credit remortgages, bad credit mortgages and CCJ mortgages allow people to plan for their future, whatever has happened in the past.

Let us find the best Bad Credit Mortgage for you

With access to a large section of the UK’s mortgage lenders, We can offer customers a wide choice of bad credit remortgage, bad credit mortgage and CCJ mortgage.

Our team of specialists are happy to explain everything, in clear jargon free language.

Discover how much you could borrow

The sum available for you to borrow, and the interest payable on the loan, is dependent on personal circumstances; taking into consideration:

• Credit history (CCJ’s, missed payments, bad credit)
• Your income
• Existing credit commitments
• The value of the property
• Deposit available

To find out how much you could borrow and what your interest rate would be, simply call 0845 2000 695 and we will be happy to provide you with a personalised illustration.

Enquire now and discover how we can help you obtain the right mortgage for your dream home.

The overall cost for comparison is 11.0 % APR.

The actual rate will depend on your personal circumstances please ask for a personal illustration.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice we charge a fee which is usually £250.