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Bad Credit Mortgages Barry
At EM Financial, our experienced and qualified mortgage advisors in Barry have helped countless individuals with poor credit histories secure mortgages. With years of expertise in navigating the complexities of mortgage applications, we are dedicated to assisting you every step of the way.
No impact on your credit score
Obtaining a Mortgage with Bad Credit: Overcoming Challenges
If you’re considering a move, remortgaging, or purchasing your first home in Barry but have struggled with poor credit due to life events, rest assured that you’re not alone. At EM Financial, we understand your concerns and are here to provide the guidance you need.
When you submit a mortgage application, your chosen lender will carefully evaluate various aspects of your financial situation, including your income, expenses, deposit, and credit history. If you’ve faced credit issues in the past, you might be worried about finding a lender who will accept your application. We recognize that this can be a daunting prospect.
Don’t let past credit challenges discourage you. Our expert mortgage advisors specialise in assisting individuals like you who are seeking mortgage solutions despite a less-than-perfect credit history.
The Best Mortgage Broker in Barry
The EM Financial Advantage: How We Can Help
EM Financial stands out as your partner in navigating the mortgage landscape, especially when you have bad credit. Our extensive experience has led us to identify the top mortgage lenders who are willing to work with applicants facing credit difficulties. Here’s how we can assist you:
Personalised Guidance: Our mortgage advisors in barry take the time to understand your unique financial situation and goals. We tailor our approach to find the best mortgage solutions that align with your needs.
Expertise and Connections: With our in-depth industry knowledge and established relationships with lenders, we have the insight to match you with the most suitable options.
Proven Success: We’ve helped individuals with bad credit secure mortgages that allow them to achieve their homeownership dreams. Our track record speaks for itself.
Real Stories of Success: Our Clients' Journeys
Still skeptical about whether you can secure a mortgage with bad credit? Let our clients’ success stories inspire you:
John's Story: Overcoming Financial Setbacks
John faced unexpected financial challenges that led to a less-than-perfect credit score. He was worried that he wouldn't qualify for a mortgage. With EM Financial's guidance, John not only secured a mortgage but also obtained favorable terms that fit his budget.
Sarah's Journey: Turning Dreams into Reality
Sarah dreamt of owning a home, but her credit history presented obstacles. EM Financial's advisors worked closely with Sarah, exploring various options and connecting her with a lender who understood her situation. Today, Sarah enjoys the comfort and security of her own home.
Your Path to Homeownership Starts Here
Securing a mortgage with bad credit in Barry is possible, and EM Financial is here to make it happen. Don’t let past credit challenges hold you back from achieving your homeownership goals. Contact our expert advisors today, and take the first step toward turning your dreams into reality.
Get a Mortgage with Bad Credit | EM Financial’s Expert Advisors Can Guide You
Your journey to homeownership is within reach. Discover how EM Financial’s experienced advisors can help you secure a mortgage despite bad credit. Contact us for personalised assistance and take the first step toward owning your dream home.
We search 1000s of mortgage deals in Barry
We'll find you the perfect solution
who we help
Low Credit Score
We work with a large number of lenders who don’t credit score, they will take a manual, common sense approach to your mortgage application.
who we help
Bankrupcy mortgage
You may have previously been declared bankrupt, but thats fine, we work with lenders who will still over you a mortgage.
who we help
CCJ's & Defaults
If you have CCJ’s or defaults, even if they haven’t been satisfied, we can help as we work with a number of specialist lenders who can still consider your mortgage application.
who we help
Current DMP
If you are currently in a debt management plan, that is fine, we work with lenders who can consider, even if you have missed a paymet or 2.
Looking for a bad credit mortgage? We'll take care of everything!
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Your Path to Homeownership Starts Here
How to get started - Our simple 4 step process
Step 1
Press 'Get approved' Below, the link will take you to a short form.
Step 2
We'll match you with a mortgage broker based in Barry.
Step 3
You're mortgage broker will contact you to discuss your mortgage options.
Step 4
If you're happy, we submit your mortgage application and guide you to completion.
Common Questions
Can I get a mortgage with bad credit?
Yes – There are a large number of lenders who are happy to consider clients with past or current credit issues.
Does a CCJ stop you getting a mortgage?
It is possible to obtain a mortgage despite having a CCJ, but you must proceed with caution. It’s extremely unlikely that you will be able to apply for a mortgage at a high street bank. It follows that a CCJ shouldn’t prevent you from obtaining a mortgage with the right guidance and preparation.
What is the minimum credit score for getting a mortgage?
There is no minimum credit score, some lenders don’t use credit score to make lending decisions.
Why Choose us | Bad Credit mortgage broker Barry
We have a large variety of lenders on our panel that each have their own distinct Bad Credit mortgage products and lending criteria. This frequently implies that we have access to things that aren't commonly found on the high street. Whatever your scenario, our incredible team of qualified poor credit mortgage brokers in Barry will use their expertise to try and save you both time and money by finding you the best possible deal for your circumstances.
Take a look at our great client reviews to get a true sense of the high levels of customer service we constantly aim to deliver. We will always keep you up to date and strive to deliver you a stress-free bad credit advice service. no matter what stage you are at in the process, EM Financial we can help.
As a professional and speedy bad credit mortgage broker in Barry, we will provide complete support and direction throughout the mortgage process. We will do everything possible to alleviate any anxieties you may have throughout the process and will answer all of your questions as thoroughly as possible. We truly hope that you will find us useful during your process, as we are adaptive to your bad credit mortgage requirements.
When you deal directly with a bank or lender, you will have far less options than if you speak with a Barry bad credit mortgage broker. Banks and other lenders will only have access to their own deals and products, however we can search through 1000s of deals across our panel, selecting the best one for you and your circumstances.
Our professional and devoted Barry bad credit mortgage and protection brokers are well-versed in various lenders' requirements and products. As a Barry bad credit mortgage broker, we can look around for the best mortgages, completing the legwork on your behalf. This saves you time and money by avoiding the need to speak with different lenders.
We have helped numerous customers with a low credit score, self-employed, falling outside of lender criteria, and having a low borrowing capacity, to name a few. While challenges exist, as a bad credit mortgage advisor in barry, we can assist.
Our bad credit mortgage advisers have assisted a wide range of consumers in a variety of situations. We give comprehensive bad credit guidance in a variety of situations by leveraging our extensive understanding of bad credit lender criteria.
We offer a free mortgage appointment to all of our customers, new and old, as a well-known bad credit mortgage broker in Barry with a reputation for being open, honest, reliable, and responsive.
During this appointment, your designated bad credit mortgage advisor will review your situation and discuss your goals. Our customers are our top priority, and as a mortgage broker in Barry, we'll make sure to recommend the greatest available deal to you while also relieving your stress.
Request your free bad credit mortgage review today, and we'll see how we can assist you on your mortgage journey!
EM Wales is a trading style of Estates Mitchell Limited is Authorised and Regulated by the Financial Conduct Authority under Registration Number 948488 at www.fca.org.uk/Register
The Financial Conduct Authority does not regulate all aspects of Commercial and Buy to Let Mortgages.