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Bad credit mortgage

Bad credit mortgages, adverse credit mortgages or sub-prime mortgages are becoming more common in today's challenging credit environment and many of the mortgage lenders are now offering very competitive mortgage products to cater for this growing market trend. Even with the recent 'credit crunch' we are still able to obtain very competitive mortgage products.With banks and building societies raising their rates, it is well worth scouring the market with experienced mortgage brokers like Leybridge Limited for the best mortgage product to meet your needs, wants and circumstances.

We can help with a bad credit history

At Leybridge Limited we can help whatever your financial circumstances, whether they are good or bad. We have a dedicated team of qualified, experienced mortgage and insurance advisors with specialist knowledge on providing mortgage solutions for clients that don't typically fit the traditional lender's criteria.

Our advisers will take you through the steps to repair and improve your bad credit rating and will support you through the bad credit mortgage process. We can help whatever the circumstances of your bad credit rating, including;

Bad credit mortgage
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Fast decision in principal.
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Competitive APR.
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Very competitive fees.
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Bad credit
  
  • Mortgage, secured loan and rent arrears.
  • Individual Voluntary Arrangements (IVA).
  • County Court Judgements (CCJs).
  • Discharged bankrupt.
  • Defaults.
  • Repossessions.
  • Missed mortgage payments.
  • Self-employed with no accounts.
  •   

    Is it as bad as you think it is?

    Not knowing their own credit profile, people often think that their credit history is worse than it actually is! During our fact finding and credit search procedures we will establish an accurate credit profile which will enable us to place the you with the most beneficial mortgage product, whether that be a bad credit mortgage or a "high street" or equivalent product. Our 'panel of lenders' is made up of products from both high street and bad credit mortgage lenders.

    But we do not have any bad credit!

    That's fantastic! Leybridge Limited can still help, and are definitely worth a call. Why do all the work looking for the right product when we can do it for you. We will offer full advice and a mortgage product after an in-depth fact find. Most banks and building society's will offer you a small selection of mortgage products that their firm provides, based on a few scripted questions and then expect you to do all the running around. We do all the work for you, and will offer you the best mortgage products based on your true wants, needs and circumstances.

    Who are Leybridge Limited?

    Leybridge Limited was incorporated with Companies House in 2003, since then we have helped hundreds of clients and brokers with mortgage advice and products.

    One thing we take very seriously is customer service. You will not speak to loads of people, who do not know who you are. You will not be passed from pillar to post if there is a problem. We believe as a company that customer service is key and we will keep you informed of progress from the moment that you make an application to the day that you complete your mortgage or remortgage.

    Using the latest technology available we are able to scan thousands of products in minutes to find the most suitable mortgage product for your needs and circumstances. If we do not believe a product is suitable we will not recommend it, but we still may be able to offer you help and advice on your best course of action.

    Leybridge Limited specialise in the adverse credit market, which is to say we are experts in the field of arranging finance for individuals and companies with bad credit problems. Our range of products include; domestic mortgages and remortgages, domestic secured loans (second charge), life insurance, payment protection insurance and commercial finance.

    What we will do for you.
    bad credit mortgage and bad credit remortgage - Let Leybridge unlock the potential.

    1. We will search for the best mortgage product to meet your needs, requirements and circumstances.
    2. We will discuss the selected product with you over the phone to make sure you happy with every aspect of the proposed mortgage.
    3.We will send you a Key Facts Illustration and your adviser will send you an Initial Disclosure Document.(IDD), which will outline the key facts of the service that will be provided. All recommendations will be provided to you in writing. All advice will be provided in plain English - please do not hesitate to ask any questions. Your adviser works for you and has your best interests at heart.
    4. We will the make an appointment with you for one of our consultants to visit you at home
    5. Our consultant will visit you at home and help you to fill in all the required lenders and solicitors forms and collect any documentation required.
    6. The application form and other details are then passed to our professional admin team who will guide and help you through the whole process to completion.

     

    Rates from 6.5% APR. The overall cost for comparison is 9.2% APR. This means that 66% of our customers qualify for this rate or less. A broker fee of up to 1.5% of the total amount borrowed may be payable. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. How competitive are our fees?

    This website is wholly owned and maintained by:
    Leybridge Limited of The Garden Suite. Pine Grange. Bath Road. Bournemouth. Dorset. BH1 2PF.
    Data Protection Act Registration No. Z8754656
    Consumer Credit License Number: 541607
    Leybridge Limited is a company registered in England and Wales with company number: 04831398
    Leybridge Limited is registered with the Financial Services Authority registration No. 313790

    OUR REGULATION AND PERMITTED BUSINESS
    The Financial Services Authority is the independent watchdog that regulates financial services. Leybridge Limited is authorised and regulated by the Financial Services Authority (FSA) to give advice and is bound by their rules. Our FSA Register number is 313790. Our permitted business is to advise on and arrange regulated mortgage contracts and Non-investment insurance contracts. You can check this on the FSA Register by visiting the FSA web site www.fsa.gov.uk/register or by contacting the FSA consumer helpline on 0845 606 1234.

    NON FSA REGULATED BUSINESS
    Certain products that we advise on are not regulated by the Financial Services Authority these products include but are not limited to; commercial mortgages and second charge secured loans.

    Copyright © 2004 Leybridge Limited

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