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Getting a mortgage is, for almost everyone, an essential step towards owning a property. A mortgage will allow you to buy a property without having to pay the full price upfront, by taking out a loan. However, being able to take out a mortgage is frequently related to a bank’s assessment of your credit score, which indicates how likely they think you are to be able to pay back the loan.
There are many reasons why you could have a bad credit score, such as having defaults or bankruptcy in your credit history, and these can make it harder to get a mortgage through the usual channels. If you are in this situation, it may not be impossible for you to get a mortgage, but it may well require more work than otherwise, and it is a good idea to seek advice from an advisory service such as Eminence Mortgages as early on in the process as possible – we will be able to use our extensive experience and expertise to help you to navigate your situation.
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There are a number of ways that you could manage to get a mortgage, even with bad credit. For instance, specialist mortgage brokers may be more lenient, although they often require larger deposits and charge higher interest. It may also be wise to wait – sometimes a bad credit score can be improved as your financial position does. This can be accelerated by taking extra care to make any payments on time, and being careful not to overspend and to maintain financial stability.
Every person’s financial situation, and needs are different though, so to find out the best answer for you, get in touch with us. Eminence Mortgages.
Whatever the type of mortgage you are looking for, we will make this journey simple, easy and as stress-free as possible, giving you complete confidence in our experience and professionalism.