1st Stop Home Loans ideal for Low Credit Score

For 1st Stop you need to be 21 years or older, be a home owner with an existing UK mortgage, be a permanant UK resident and be in Permanent paid employment.  They don’t like Bankrupts or people in IVA’s or trust deeds.


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Lifetime mortgage with flexible drawdown

Lumpsum lifetime mortgage

santander equity release

santander equity release

Interest only lifetime mortgage

Finding help when you need a quick remortgage

It’s very regular to encounter people looking for bad credit remortgage advice, bad debt remortgage or remortgage with poor credit however loan companies like Fleet Mortgages are keen to see proof of monthly income in the form of p60, investment statements or p60s.

Paperwork to show income:

Secured loan lenders such as Masthaven, Central Trust or Masthaven often accept proof of income with

  • universal credit letters
  • bank statements
  • wage slips
  • P60 documents

Common examples of subprime credit

Lenders such as Norton Finance, Central Trust or 1st Stop Home Loans can often loan to people with

  • loan arrears
  • missed installments
  • defaults
  • County Court Judgements

Taking a longer term secured loans bad credit can minimise your monthly payments.

Sourcing home owner loans

It’s sometimes a lower cost to get a second mortgage than a re finance.

Choosing bad credit online mortgage companies:

  • Precise Mortgages
  • Secure Trust Bank
  • Progressive Building Society
  • Stafford Railway Building Society

Duration of payback cycle with Cambridge Building Society

  • 15 years
  • 20 years
  • 20 years
  • 6 years

Remortgages charges

  • completion fee
  • product fee
  • arrangement fees
  • lender fees

Getting help when its necessary for a secured loan

  • Advisor
  • Authorised Broker

It’s often found to find people searching for mortgage for people with bad credit, mortgage bad credit rating or mortgage lender for bad credit however secured loan lenders like Yorkshire Bank are keen to see paperwork to show affordability in the form of state benefit letters, wage slips or payslips.

Percentages for Loan to Value

It is common to discover people seeking out loan to value of 60%, 65% or even as much as 90% however its hard to get 95%.

Seeking guidance when you need a re-mortgage

It’s common to discover individuals searching for remortgage with poor credit, remortgage bad credit or adverse credit remortgages however loan companies like Bank of China UK are keen to see proof of income in the form of payslips, wage slips or p60.

Charges for second charge secured loans

  • lender fees
  • broker fee
  • valuation fee

Lenders terms and rates for Main residence including for Low credit score

  • Repayment mortgages The Mortgage Lender
  • First time buyer mortgages building Society Lending Ltd

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold house and if the occupier is a AST Tenant.