Do high-street providers offer bad credit mortgages?
Never, and the ones which do might give you rates that are unfavourable.
The tables below will give you a basic notion of just just how most most likely you will be to have a loan in line with the style of credit problems you have got and exactly how long you may have to hold back before pushing ahead.
| 0-12 months years being 1-2 years | 3-4 years | 4+ years | |||
| later re payments | Yes (a range) | Yes (a range) | Yes (a range) | Yes (a range) | Yes (a online installment loans arkansas range) |
| Mortgage Arrears | Yes (often maximum 3 belated) | Yes (a variety) | Yes (a range) | Yes (a range) | Yes (a range) |
| CCJs | Yes (if good LTV) | perhaps (If good LTV) | Yes (Any value) | Yes (Any value) | Yes (Any value) |
| Defaults | Yes (if good LTV) | possibly (If good LTV) | possibly (If good LTV) | Yes (Any value) | Yes (Any value) |
| Debt MGBT | Unlikely | Yes (If credit history is unaffected) | Yes (If credit history is unaffected) | Yes (If credit file is unaffected) | Yes (If credit history is unaffected) |
| IVA | Unlikely | feasible with a 25% deposit | potential by having a 20% deposit | available with a 20% deposit | potential by having a 10% deposit |
| Bankruptcy | Unlikely | available with 25per cent deposit | feasible with 15per cent deposit | viable with 5% deposit | viable with 5% deposit |
| Repossessions | Unlikely | Yes (with 25% deposit) | Yes (with 25% deposit) | Yes | Yes |