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Home Credit problems Bad credit loans

Bad credit loans

Rather than taking out a bad credit loan you may be better to raise the money you require by remortgaging.

If the valuation of your property is greater than the outstanding mortgage, you can release equity by moving to a bad credit mortgage. In this way you are just increasing your mortgage rather than taking out a separate 'bad credit loan' secured on your property.

Bad credit mortgages

Non-conforming, sub-prime or bad credit mortgages are becoming common in today's mortgage environment and many of the mortgage lenders are now offering very competitive mortgage products to cater for this growing market.

How much can I borrow if I have bad credit?

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

We can help with your bad credit history

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.

Our expert advisers take you through the steps to repair and improve your bad credit rating and will support you through the bad credit mortgage process providing you with first-class, independent mortgage advice on all the options available, whatever your situation; first-time buyer, home mover, remortgaging, buy-to-let or Right to Buy.

We can help whatever the circumstances of your bad credit rating, including (but not limited to):


How much can I borrow for a bad credit mortgage?

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 and Commercial Mortgages a 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.