We have adverse credit and need to re-mortgage. We also need it to be a self certified mortgage as my husband is self employed, Does anyone know of a bank who would accommodate?

Hi.....if it is adverse you will have to go through a broker. What is the amount to borrow, the Value of the property and the adverse credit that you know of??

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Regards

Ian

House is valued at 150,00. Re-mortgage 130,000.

Adverse credit 1 ccj (satisfied well over a month ago). Missed one mortgage payment within the last year. Various other defaults

Hi...the problem is the high loan to value. You are at up to 90% at the moment and the products are limited with the adverse stated I'm afraid. I would advise a meeting with a independent fees free broker just to check where you would be placed, but my opinion would be that you would be looking at over 9% with the market as it is today. Who is your lender now and what rate will you be going on to, also are you on repayment or interest only??

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Regards

Ian