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Bad credit is a term applied to the situation when a person has borrowed money and has not repaid it by the due date. A poor credit history means the use of non conforming lenders which incurr higher interest rates due to the fact that the consumers credit file isn’t so good.

If you have experienced financial problems in the past, this is the loan to help you re-build your bad credit rating and obtain a mortgage. Non-conforming lenders are very flexible - even if you have been bankrupt or just have a bad credit history, this type of product will make it easier for you to secure your wanted mortgage.

ADVANTAGES:

• You will get a fresh start and the chance to re-build your credit rating.
• Non judgemental lending rules with flexibility.

DISADVANTAGES:

• You'll pay higher interest rates and fees.
• You will require a larger deposit than normal.

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