This section on our website is designed to help those people who, due to credit problems, may struggle to find a mortgage with a mainstream lender. The most important thing to note is that you do not have to automatically consult one of the many bad credit specialists and pay soaring interest rates. Whilst you may not be able to snap up one of our best rate mortgage deals, we could help you find a decent deal which will help you get back on track.

At CFS Mortgages we offer expert advice for non-conforming mortgage borrowers. This can be a big help when talking the first step towards reorganising your finances.

Why not call us today to see if we can help? You may be surprised at the options available to you. Contact us.

Mortgage for discharged bankrupts: how to find a mortgage when you have been bankrupt

There was a time when bankruptcy was associated with traders, but recent figures indicate that it is becoming more of a consumer problem with many people struggling with personal debt due to overspending. Personal IVA (Individual Voluntary Arrangement) applications are also on the increase as people try to find a way out of debt.

Despite being on the increase, bankruptcy still carries a stigma and should not be entered into without very careful consideration due to the long-term impact that it has upon other areas of your life, including your mortgage. If you are declared bankrupt, then you will not be able to legally obtain a mortgage.

Once you are discharged from bankruptcy, you can apply for a mortgage. However, many mortgage lenders will inevitably consider you a high risk borrower. At CFS one of our expert advisers can help you consider the options available to you. Contact us

Adverse credit mortgage: bad credit rating mortgage, poor credit mortgage

If you are unable to take a ‘prime’ mortgage with a mainstream lender due to credit problems the good news is that you have found your way to the best place for mortgage advice.

The other good news is that there is no need to panic about your credit history, because there is help to be found. Many other people in the UK are in your situation because they do not fit ‘normal’ lending criteria. We help many of our customers out of this seemingly helpless situation, by arranging an adverse credit mortgage (sometimes known as a non-conforming mortgage, bad credit mortgage or subprime mortgage) until the borrower is back on track.