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Home Credit problems Bad credit 100% mortgages

Bad credit 100% mortgages

Non-confirming, sub-prime or bad credit 100% mortgages allow you to get a 100% loan to cover the full value of the property even if you have past bad credit.

100% borrowing provides you with the opportunity to get a foot on the property ladder even if you do not have a deposit available. This type of mortgage is very popular among first time buyers and while you'll pay slightly more each month in interest, you will be able to buy a home sooner rather than later.

How much can I borrow if I have bad credit?

A 100% mortgage is not suitable for eveyone's needs and in a falling property market you may end up owing more than your house is worth - "Negative Equity". You should always seek professional advice before deciding on which type of mortgage is most suitable for your needs.

At alexander hall mortgages we can help whatever your financial circumstances. We have a dedicated 'bad credit mortgages' team with specialist knowledge on providing mortgage solutions for clients that don't typically fit the traditional lender's criteria.

The overall cost for credit is 7.3% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Alexander Hall Associates Limited is authorised and regulated by the Financial Services Authority for pure protection, residential mortgages and general insurance business. We do not charge a fee for residential mortgage advice; however there is an administration fee for processing each of your standard residential mortgage contracts. The typical administration fee is £499. For impaired credit lending the typical fee is 1% of the mortgage loan. For Buy-to-Let, Off-Shore and Commercial mortgages a typical fee of 0.5% of the mortgage loan size applies of which £500 is payable on application with the balance payable on completion.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.