Vida Finance for Poor Credit Score

The great thing about Vida Homeloans is they have loan terms up to 35 years with their 60% LTV products.  Rates are similar and competitve with other lenders accepting this type of adverse credit profile.  Loan amounts are generous up to £250,000, ideal for high earning London property owners.


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Lifetime mortgage cash release

Homeowner Equity release plan

Lumpsum lifetime mortgages

Getting help when you need a remortgage

Its very regular to find people searching for remortgage broker for bad credit, remortgages bad credit or remortgage bad credit rating however mortgage lenders like Precise Mortgages are keen to see proof of income in the form of pay stubs, payslips or accounts.

Paperwork to show income:

Secured loan lenders such as United Trust Bank, Clearly Loans or Spring Finance often accept evidence of monthly income with

  • pay stubs
  • pension statements
  • payslips

Types of adverse credit

Loan companies such as Equifinance, Shawbrook or Central Trust can often loan to people with

  • ccj’s
  • defaults

Affordability criteria for secured loans

It’s sometimes a lower overall cost to get a secured loan than a refinance.

  • Masthaven
  • Prestige Finance
  • Equifinance
  • Equifinance
  • Masthaven

Choosing bad credit mortgage lenders:

  • Magellan Home Loans
  • Precise Mortgages
  • Foundation Home Loans
  • Expat Packager
  • Precise Mortgages
  • The Mortgage Works
  • Earl Shilton Building Society

Duration of payback cycle with Precise Mortgages

  • 20 years
  • 30 years
  • 35 years
  • 11 years


  • arrangement fees
  • lender fees
  • broker fee

Finding help when you want a a second charge secured loan

  • UK ifa
  • broker

It is often found to find individuals looking for bad credit score mortgage, mortgage loans for poor credit scores or where to get mortgage with bad credit however secured loan lenders like Coventry Building Society-Godiva are keen to see evidence of affordability in the form of p60s, investment statements or bank statements.

Loan to value percentages

It is often found to encounter people searching for loan to value of 70%, 75% or even as much as 95% however its hard to get 95%.

Finding help when you need a quick remortgage

Its common to find people searching for remortgage brokers for bad credit, adverse credit remortgages uk or get a remortgage bad credit however loan companies like TSB – Intermediaries are keen to see evidence of monthly income in the form of accounts, dwp letter or payslips.

Charges for second charge secured loans

  • early repayment fee
  • lender fees

Types of mortgages lenders offer for Main residence including for impaired credit

  • Tracker mortgages Scottish Widows Bank
  • Fixed rate mortgages Clydesdale Bank PLC

The 1st and 2nd charge lender will want to know if the property is a Detached freehold house or a Leasehold house and if the occupier is a Assured shorthold tenancy tenant.

  • dwp letter