mortgage issues - poor credit score

[d000hg]

You might engage an IFA, they can sometimes convince providers to give you a given product more easily than you can.

[Pherlopolus]

You obviously have no idea how a credit score works do you?

My dear old mother couldn't even get a mobile phone contract, she has never had any sort of credit ever - and that was more of a problem than a bad debts.

[DimPrawn]

HTF would a contractor have a poor credit score ? - do you have a coke habit?

You obviously have no idea how a credit score works do you?

[Troll]

if anyone here has got a poor credit score and was still able to secure a mortgage.

HTF would a contractor have a poor credit score ? - do you have a coke habit?

[Emma Power Mortgages]

hi all i have been looking to get myself a mortgage - i wont go into detail of how much etc however i was wondering if anyone here has got a poor credit score and was still able to secure a mortgage. If so, who did you use?

I have spoken to CMME and they have said no. I have sent my details for Freelance Financial however will probably not know now till next week.

Is there any other brokers who would consider poor credit score contractors?


thanks in advance

There are providers out there that will accept contractors and some poor credit history. Were you given any advice as to what your timescale would be before you could get a mortgage? Or if you perhaps needed a larger deposit?

Maybe go back and ask for this advice or try another specialist?

[OwlHoot]

hi all i have been looking to get myself a mortgage - i wont go into detail of how much etc however i was wondering if anyone here has got a poor credit score and was still able to secure a mortgage. If so, who did you use?

I have spoken to CMME and they have said no. I have sent my details for Freelance Financial however will probably not know now till next week.

Is there any other brokers who would consider poor credit score contractors?

thanks in advance

You should be fine if you can manage to be financially "clean" for 6 months, with no missed obligatory payments, and you aren't maxed out on any credit or debit cards. I believe those are the main criteria they use.

If that is the case already, and you have no drastic financial hiccups like bankruptcy or unsatisfied court judgements for debt, and no major ongoing expenditure such as student loans or maintenance payments, I don't know what to suggest besides getting a permanent job even if only temporarily.

[AtW]

Mortgage?? What's that?

WHS

Just bring with yourself a few of those and buy for cash.

[saptastic]

As found recommended on this very forum.... clearscore.com is an excellent free website with all your credit details

[BrilloPad]

Mortgage?? What's that?

Ask your butler.

[fullyautomatix]

Mortgage?? What's that?

[DimPrawn]

30 day free trial with Experian

https://www.creditexpert.co.uk/sign-...eVersionID=642

Figure out what's causing your bad credit score and whether you can improve it.

I'd start there.

[BrilloPad]

Have you looked at the cloud tags with "mortgage" in them? Another couple of names in there.

Though if CMME said no you will struggle. Have they indicated what you can change to help?

[Scruff]

Register at www.noddle.co.uk and you can check your credit score and your full credit report for free. You can check where your adverse credit lies, any judgements against you and all searches amongst other information. In return you get one monthly email and a reminder that your credit report has been updated.

[northernladuk]

There are only a little a limited never of mortgage providers for contractors, Halifax, Clydesdale, Virgin and maybe one or two more. It's them that are your problem not the brokers. You could go to every single one of them but they will just offer the same same limited products. I'd see what FF says first and then re-asses your options. Going to other brokers isn't going to help.

[loneb]

hi all i have been looking to get myself a mortgage - i wont go into detail of how much etc however i was wondering if anyone here has got a poor credit score and was still able to secure a mortgage. If so, who did you use?

I have spoken to CMME and they have said no. I have sent my details for Freelance Financial however will probably not know now till next week.

Is there any other brokers who would consider poor credit score contractors?


thanks in advance