Poor Credit History Homeowner Finance

Bad Credit Equity Release Options

Ravenwood services have finance options for homeowners looking to release equity from their properties

  • Products for people with and without mortgages currently
  • Use your own home, a buy to let property, a commercial or mixed-use property
  • For some products, your lousy credit is irrelevant, and only checks on your identity are performed as regulations dictate.  Poor credit history includes types like CCJ’s, defaults, missed payments and arrears.
  • Low rates include Fixed, Variable, discounted and tracker options
  • Many options are available to people under 55 years old unlike other equity release products
  • Rates that are Fixed, Discounted, Tracking and Variable
  • Some lender products do simple electronic valuations
  • Shared ownership OK
  • Tier 2 Visa Holders
  • Tax-free lump sum
  • Get A Free No Obligation Quote

  • About You


Getting help when you want a remortgage

It’s usual to encounter individuals looking for bad credit remortgage specialists, remortgage lenders for bad credit or are their remortgages for lousy credit however mortgage lenders like Virgin Money PLC are keen to see paperwork to show affordability in the form of state benefit letters, payslips or universal credit letters.

Paperwork to show income:

Lenders such as Spring Finance, Masthaven or Central Trust often accept evidence of affordability with

  • wage slips
  • p60

Examples of bad credit

Secured loan lenders such as Norton Finance, Norton Finance or United Trust Bank can often lend to people with

  • ccj records
  • late instalments

Affordability criteria for homeowner loans

It’s common to find it cheaper to get a secured loan than a refinance.

Finding heavy adverse credit companies:

  • Foundation Home Loans
  • Bluestone Mortgages
  • Paragon BTLPortfolio
  • Accord Mortgages

Common mortgage durations with Buckinghamshire Building Society

  • 28 years
  • Six years


  • broker fees
  • arrangement fees
  • completion fee

Finding help when it’s necessary for a homeowner loan

  • brokers
  • financial advisor

It’s very regular to discover people searching for getting a mortgage with poor credit, best mortgage lenders for bad credit or poor credit mortgage lenders, however, home loan lenders like Yorkshire Building Society are keen to see proof of monthly income in the form of p60, pension statements or universal credit letters.

Mortgage Loan to Value (LTV)

It is common to encounter individuals looking for a mortgage loan to value (LTV) of 70%, 85% or even as much as 95% however it’s hard to get 95%.

Getting help when it’s necessary for speedy remortgage

It is very regular to find individuals searching for a mortgage for lousy credit, remortgage lender for bad credit or low credit remortgage however loan companies like Tipton and Coseley are keen to see evidence of affordability in the form of p60, payslips or accountants certificate.

Costs for secured loans

  • Upfront fees
  • Valuation fees
  • Booking fees
  • Broker fees

Types of mortgages lenders offer for Primary Residence including for substantial adverse credit

  • Discounted rate mortgages Teachers B Building Society
  • Repayment mortgages Furness Building Society
  • Cashback mortgages Tipton and Coseley

The 1st and 2nd charge lenders will want to know if the property is a Semi detached freehold house or a Leasehold flat and if the occupier is an Owner Occupier Primary Residence.

Get your financial needs in order before the risk of a No Deal/Hard Brexit makes some lenders leave the UK Finance market.

Secured Loans
Santander Secured Loan
Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans
HSBC Bank Bridging Loans
Co-operative Bank Secured Loan
Halifax Secured Loan
Bank Secured Loan
Lloyds Bank Secured Loan

Interest Only Buy to Let Mortgages
Remortgages from Ravenwood Services
High Loan to Value Buy to Let Property Mortgages

Debt Consolidation Loans
No Guarantor
Non Homeowner

Debt Consolidation Companies Uk

Unsecured Debt Consolidation Loans
NHS or Social Care Worker

How much money can I release?

You can release 70% of your home’s value. For example, if your house is worth £210000 you can release £147000.

Mortgages For 70 Year Olds

100 Acceptance Loans No Guarantor