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Adverse Credit

Bankruptcy | CCJ's, Defaults | Late Payments | Poor Credit History
Credit Score

How We Can Help

When it comes to buying a home, some lenders can take on a rather sanctimonious attitude. They want to deal only with those who have faultless credit histories, perfect work records and adequate deposits. But money problems can affect everyone. Adverse credit problems can be linked to a loan default, county court judgements or being a discharged bankrupt. We have been helping discharged bankrupts for many years now.

Has your current lender turned you away because of your credit history! Maybe you have popped into your local high street lender who has said that sadly they are unable to help you. That's great news for us because we could help you and your finances.
Extensive Range
We have a complete range of mortgages not dependent on your credit history. It may be that you have fallen on bad times and missed a couple of mortgage payments or it may be that things spiralled and you ended up going bankrupt.

Good News
However, there is some good news in that some lenders are willing to provide adverse credit mortgages. Deals are unlikely to match standard mortgages; lenders in the adverse credit market - which is also sometimes described as 'sub-prime' or 'non-conforming' - will charge higher rates.
Lender Choice
We have a large choice of lenders for discharged ex bankrupt mortgages. We have a large choice of lenders for discharged ex bankrupt mortgages.
Thorough Vetting
Your application will be thoroughly vetted and the interest set according to the risk the lender believes you pose. You may also be subject to redemption penalties, but these should cease to apply after three years.
Your home may be repossessed if you do not keep up repayments on your mortgage

Mortgaage Calculator

This calculator is for illustrative purposes only and may not reflect the true cost of repaying a mortgage before you enter into any new mortgage commitment, you need to be sure that it is affordable on your own personal budget. Use this budget planner to work out what you can afford to pay each month

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Is there a problem finding your dream home? Need a guide in buying first home? or need a consultation on residential issues? just contact us.


01260 291919
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20 High Street, Congleton, 
Cheshire CW12 1BD
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The Mortgage Corner (Cheshire) Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority (FCA 192642). Registered Office: 20 High Street, Congleton, Cheshire, CW12 1BD. Registered in England and Wales, Registration No 4912909
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