Pepper loans designed for people with some credit issues

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Home reversion plans

Lifetime mortgage cash release

Home reversion scheme

Getting help when you need a refinance

Its often found to encounter individuals looking for very bad credit remortgage loans, remortgages with poor credit or remortgage for low credit however lenders like First Direct are keen to see evidence of income in the form of dwp letter, sa302 documents or pay stubs.

Evidence of income:

Lenders such as United Trust Bank, Shawbrook or Norton Finance often accept paperwork to show income with

  • pension statements
  • wage slips
  • accountants certificate

Examples of bad credit

Loan companies such as Equi finance, Together or Clearly Loans can often lend to people with

  • ccj records
  • late payments
  • county court judgements
  • credit card arrears

Opportunity for second charge loans

It’s common to find cheaper to get a second charge loan than a remortgage.

Opportunity for bad credit home loans:

Time to payback mortgage with MBS Lending

  • 6 years
  • 3 years
  • 28 years

Mortgage fees

  • broker fee
  • booking fee
  • valuation fees

Finding help when its necessary for a 2nd charge secured loan

  • broker
  • financial consultant
  • ifa

Its often found to encounter people seeking out adverse mortgage lenders, mortgage with poor credit rating or adverse credit mortgage lenders however loan companies like Secure Trust Bank are keen to see evidence of income in the form of sa302 documents, state benefit letters or sa302 documents.

Loan to Value

It’s often found to encounter individuals searching for loan to value of 70%, 85% or even as much as 95% however its hard to get 95%.

Finding help when its necessary for re-mortgage

It is usual to encounter people searching for specialist remortgage brokers, bad credit remortgage or poor credit remortgage lenders however home loan lenders like BM Solutions are keen to see evidence of monthly income in the form of wage slips, payslips or pay stubs.

Costs for 2nd mortgages

  • solicitors fees
  • early repayment charge
  • completion fee

Types of mortgages lenders offer for Semi Commercial Property including for subprime credit

    • Flexible mortgages Paragon NonPortfolio
    • Tracker mortgages Pepper Money
    • Buy to let mortgages Expat Packager

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 Assured shorthold tenancy tenant.