Mortgages for clients with a bad credit history

Discount Mortgages specialists in providing our clients with an adverse credit history and re-mortgages for people with an adverse credit history.

We Can Help

There are an increasing number of lenders who provide competitive remortgages and mortgages for people with credit problems such as CCJs, defaults, bankruptcy mortgage arrears and individuals with a poor credit score or bad credit rating. There are also lenders who will help the self employed, discharged bankrupts and people who have been refused a mortgage elsewhere.

The adverse, sub-prime or bad credit mortgage industry as it's often known has certainly come out of the shadows in the last few years. A decade ago it was a byword for unscrupulous brokers charging high fees and lenders tying you in with huge rates of interest. Today there is a much broader product range which is more competitively priced, less punitive and more innovative in terms of deals.

Having a poor credit rating can be a deflating and traumatic experience, whatever the reason. But there are deals out there for you. Specialist lenders offer what are known as credit repair deals. Here, you will have to
pay a higher interest rate than you woud with a conventional deal and put down a deposit of around 10%-15%. However, once you have maintained your payments on one of these deals for a sufficient period (usually about three years) your credit history will have repaired itself. You are then in the position to remortgage back on to
a high street deal and reap the benefits of more competitive rates. 

Your first step is to contact Swoop Finance who has experience in the area of adverse credit lending and non standard or conforming mortgages. You can do this by simply completing the Enquiry Page on this site. There are many specialist lenders out there and they get most of their business through brokers like Swoop Finance. 

An independent qualified advisor will look at your individual circumstances and find the best mortgage for you. Swoop Finance can help you find a mortgage even if you have been turned down elsewhere. 

Each enquiry will be dealt with by an experienced advisor in a constructive and sympathetic manner. If you have County Court Judgements, credit card defaults, loan defaults, mortgage or rent arrears, bankruptcy, IVA, are self-employed or have difficulty proving your income, Swoop Finance can help you. Just get in touch, tell us about your situation, then let us do all the hard work.

How to get your free mortgage quotes

You just need to enter some basic information into our online enquiry form and we will search the entire UK mortgage market (thousands of products from hundreds of lenders). We will present you with illustrations of the best mortgage deals available.

Or if you prefer, you can call a fully trained mortgage advisor free on 0800 298 0678. It will only take a few minutes of your time today but could save you thousands of pounds in interest payments and will eliminate any worries you may have about getting the best deal possible.

Your home maybe repossessed if you do not keep up repayments on your mortgage
or any other debt secured on it.