marty_t3

ok... My credit rating is somewhere between p155 poor and attrocious. I don't owe any money to anyone and earn a reasonable wage. Is there any way for me to get a mortgage??? I've thought about some of the less "well known" providers but i'm not sure if thats a good idea or not. I'm only looking for 2.5 x my salary so even if interest rates increased dramatically i'd still be able to afford repayments.

mbc

have you actually tried applying with some of the big banks etc, for some reason i have had trouble in past with personal loans but getting a £160k mortgage and finance on cars was easy peasy, maybe cos they are secured on what you are buying ?

you never know

mike

marty_t3

I was refused by the Halifax last month, despite having an up to date mortgage with them for the past 7 years, and, paying it off in full (making a healthy profit from the house sale).

I recently applied online for an RBS mortgage... still to hear back though.

If i don't get that then i'll probably be looking to some of the less reputable mortage companies. Right now i'm paying double in rent that i'd be paying for a mortgage for the same house.

S55 HOT

Try Charcol - if they can't sort you out then no-one can !

RB5#295

Get a copy of your credit file from Equifax and the other one that I've foprgotten the name of and find out why you're rated so badly. Assuming you don't know, of course. Could be there's an error.

Fen

carl

Experian is the other one, IIRC

Tiggs

if you are confident that you have figures to back up the borrowing then talk to an IFA- they will be able to talk to lenders direct and put your case....i got ppl credit when they wouldnt have otherwise.

T

fast bloke

Marty - I will mail you on Monday. I will get you a mortgage..... no probelms - max rate is 7.0% for heavy adverse (Bankrupt yesterday). What did you do so bad in your credit history?

Mufasa

Can't you go self cert?