An adverse credit mortgage is specifically for people who have an adverse credit history or credit problems. It is sometimes referred to as a non-status mortgage or bad credit mortgage.

Having a poor credit history could mean that you have experienced county court judgments, mortgage arrears or even bankruptcy in the past. . Or it could be that you have made a minor mistake such as a late payment which you did not realise was significant.

Your current mortgage lending status may not be as bad as you think, even if you have previously incurred arrears, loan defaults, repossessions or are a discharged bankrupt.

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