When you apply for a new mortgage or remortgage this might be refused, even though the problems are in the past. Bad credit mortgages allow you to purchase your dream house even if you have a bad credit record. Due to the large number of people falling into bad credit, the bad credit mortgage was created. It not only helps you to buy a home but also, provided you make your monthly payments, it can help you to recover from your adverse credit history. A bad credit rating can seem a disaster and an insurmountable obstacle to purchasing your home. But in today's mortgage environment bad credit mortgages are a common and popular product and lenders offer a wide range of products. Metro Finance has been in this market for well over a decade offering bad credit mortgage products which can allow you to borrow up to 95% of the value of the property as a First time buyer and up to 100% for remortgages. If any of the following apply we want to help you find your mortgage or remortgage: # County Court Judgements (ccjs) # Defaults # Arrears # Ex Bankruptcy # Debt management programmes # IVA's # Past Repossession # Decree # Trust deed We will source your bad credit mortgage FREE OF CHARGE, we will provide you with mortgage quotations for FREE, and we will provide you with all the information you need for FREE - so that you can decide what's best for you. We understand obtaining a mortgage can be a hassle and stressful at times. That's why we make the whole process as easy and straightforward as possible. # We do all the leg work # We have in house underwriters # We keep you informed at every stage # We are open and honest and tell you the truth # We work hard and fast to get the mortgage you want Most of all we want you to come back in the future! Broker fee only £445 ,compare us to the rest! Your home may be repossessed if you do not keep up repayments on your mortgage. Authorised and regulated by the Financial Services Authority. The overall cost for comparison is 8.4% APR. The actual rate will depend upon your circumstances. Ask for a personalised illustration. What is Bad Credit? Bad credit is a term that many people don't fully understand. After all, credit itself can sometimes be difficult to understand… adding the description of "bad" to it can make it that much more confusing. Bad Credit Mortgage But bad credit doesn't have to cause insurmountable problems in getting your mortgage , you can get a mortgage even though you have bad credit and we can help you do that.. What is credit? Credit, or more specifically your credit rating, is a numerical score that's determined based upon the reports of banks and other lenders who you have had a loan, account, credit , or other form of financing with in the past. Positive reports increase your credit rating (resulting in good credit), whereas negative reports reduce your credit rating (resulting in bad credit ). Of course, one or two negative reports won't cause you to have bad credit … it takes time and specific actions on your part. How credit goes bad? If you have ever in the past had CCJs registered against you, defaulted on a loan, missed payments or have been forced to declare yourself bankrupt you may have what is known as "bad credit". Many home buyers are very worried about how their credit report will affect their ability to buy a home. We even heard one story that an applicant was denied a mortgage because he had returned a rented videotape late! There are many reasons you may want help for bad credit. We can help you with your bad credit mortgage. Tell us about your credit history, tell us about the mortgage you want. When we understand your bad credit history we can find the mortgage you want and help you through the mortgage process despite your bad credit record.