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Applying for a mortgage with your partner

It is a very exciting time when you decide to buy your first property with your partner. However, there is a lot to consider before making the step. Firstly you should analyse how this will impact both of your credit files. If your partner has had CCJs or... MORE

Checking your credit history

Your credit history is very important when you decide to apply for a loan. This is because a lender�s first port of call when receiving your application will be to check your file. The file will give them a picture of you and how well you manage your fina... MORE

Why did your mortgage application fail?

It can be very disheartening when you spend hours applying for a mortgage only to have it rejected. In many instances, you are not even told what it is that made your application fail but in more and more cases it is usually the credit file that has cause... MORE

Reviewing your bad credit

Having a bad credit history can be particularly troublesome if you are wanting to buy a property. Obtaining a mortgage can be a mission when lenders will not look at you twice if you have a bad credit file. This is the case for many younger people trying ... MORE

Thinking of changing mortgage company?

At the end of a fixed deal on your mortgage you might be thinking of switching your current mortgage provider. This might be for several reasons. Firstly you might have found a better rate elsewhere that your current provider just cannot compete with. Sec... MORE

The growing popularity of online lenders

If you have been rejected a credit application from a high street bank recently, you may have decided to find an online lender. Like many other people, you might find online lenders are becoming more attractive as banks are rejecting many applications... MORE

Applying for a credit card

If you are thinking of applying for a credit card, like 56% of people in the UK you may have been put off after the recession. This might be for several reasons, not wanting to overspend, unwillingness to take on an extra payment... MORE

Being rejected for finance

If you need a loan, mortgage, or even a bank account, being rejected by the bank can be both disheartening and confusing...why won't they give you the money you need? How will the rejection impact my credit file now? Like many other peo... MORE

Payday Loan

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With the recent credit crunch hitting us all, banks are being more scrupulous about who they lend money to especially if you have a bad credit rating but do not be disheartened; there are products available on the market designed for people in a similar position as you. We are specialists in gaining finance for people with a bad credit score or little or no credit history. Some of the products available to you might include:

BAD CREDIT PERSONAL LOANS

If you would like a personal loan, you can apply for a bad credit unsecured loan which is where the lender does not rely on your possessions as security for the loan. It is frustrating to try and apply for a personal loan if you are not a homeowner, and some mainstream lenders may have declined you based on this fact. However, bad credit tenant loans are also available for those in rented accommodation or even students who need a financial boost.

BAD CREDIT PAYDAY LOANS

The benefit of a payday loan is that the money you need will be added to your account within 48 hours. Payday loans are ideal for people who cannot wait for their next pay cheque, and need some financial short-term help in the mean time.

BAD CREDIT CREDIT CARDS

Even if you have CCJ's, debts or have been bankrupt, specialist credit card deals are obtainable. A bad credit credit card is the same as a normal credit card; what's more, when you use it and pay it off, it will improve your credit rating.

BAD CREDIT MORTGAGES

"Bad credit mortgages" were created for those people who have a poor or impaired credit history and have been declined normal mortgages elsewhere. You will still put down a deposit like you would on a normal mortgage and can even choose from fixed, variable or tracker mortgages.

BAD CREDIT SECURED LOANS

There are many hundreds of products available for bad credit secured loans and they can be catered to your specific financial requirements, regardless of your credit history.

BAD CREDIT BANK ACCOUNTS

Some specialist lenders will offer Bank Accounts for people with Bad Credit without even conducting a credit check. The account is much like a normal bank account. You can also set up standing orders on the account to help pay for bills or other expenses, all for a small and reasonable monthly fee.

It is a very exciting time when you decide to buy your first property with your ... MORE
Your credit history is very important when you decide to apply for a loan. This ... MORE
It can be very disheartening when you spend hours applying for a mortgage only t... MORE