Bad Credit? Use Charcol’s mortgage advice service for free
At Charcol we fully understand the problems experienced by some people with financial difficulties when it comes to getting a competitive mortgage deal. If you have a bad credit history such as CCJs or defaults, or personal debt, your mortgage options can be severely limited and, in the worst case scenario, you may be declined altogether.
Charcol believes the treatment of those with bad credit has, historically, been fundamentally unfair when it comes to applying for a mortgage. Quite often, customers with an adverse credit history have been charged very high fees. For this reason, Charcol has decided to waive all broker fees. This means that you can now get our expert help to get the right mortgage deal - and you won’t have to pay us a penny (See example solutions of credit problems).
All you have to do is call our adverse credit mortgage team now on 0800 066 5575 - free of charge. The overall cost for comparison is 8.6% APR.
By using Charcol to find you a mortgage, you will also benefit from our expertise and lender relationships so that your options are truly maximised. Indeed, in many cases, we will be able to get you the right mortgage without you having to pay any lender fees up-front, so that you’re not financially disadvantaged in any way. In fact, we’ll do our utmost to get you a mainstream mortgage rather than one specifically aimed at those with an adverse credit history.
Charcol will do all the work for you - such as evaluating your history of bad credit, negotiating with lenders on your behalf and managing the whole process through to completion. We’re committed to helping those people with a poor credit history to find new mortgages, regardless of the effort involved.
Charcol also has a long association with the UK’s leading debt management charity, the Consumer Credit Counselling Service (CCCS).
The CCCS is a charity, so you won't pay a penny for any of their debt services - whether you need immediate debt advice tailored to your situation or more general budgeting advice.
Charcol help to train the CCCS counsellors and help many of their clients to find solutions to debt through adverse credit mortgages.
You can call the CCCS for confidential advice, on 0800 138 1111 or alternatively begin their online debt remedy process.
Charcol is one of the biggest mortgage brokers in the UK and, as such, we hold a great deal of weight with lenders. We can often get people with bad credit mortgage offers that other brokers can’t. Our team constantly helps people with unsecured loans and credit card debts to consolidate their position with a remortgage, reducing their monthly outgoings and getting them back on a solid credit foundation again.
To take advantage of this free service call us now on 0800 066 5575.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.