Why Choose Amber Mortgage Solutions?

No two people’s circumstances are the same, which is why going to your own bank may not always be the best option.

If you are searching for the best mortgage rates, combined with an easy to use and friendly service then you have arrived at the right place. Whether you are looking for a one-off transaction or advice for life, Amber Mortgage Solutions are here to help you.

Protecting the biggest purchase you are ever likely to make is just as important as the mortgage. Our qualified and professional advisers can also help you with life insurance, income protection, critical illness cover, home insurance, redundancy cover and estate planning.

Concerned About Your Credit Score!

How Do I Know if I Have a
Bad Credit Rating?

You may be receiving letters from credit card companies, are aware of missed payments, being visited by debt collectors or declined by a high street lender.

The only way to know for sure what condition your credit history is in, is to secure a copy of your credit report.

How to Access Your
Credit Report

Once a mortgage application is submitted, the lender will access your credit file information to assess your suitability for a loan.

If you’re concerned about having bad credit, we would advise you to take action sooner rather than later, and obtain a copy of your credit report.

How Much Can I Borrow
With Bad Credit?

With many diverse methods to assess how much you can afford for a potential loan, the best way to prepare is to discuss your situation with one of our specialist advisors.

Having experience of working with bad credit lenders, we can guide you on getting the mortgage you need even with bad credit.

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Frequently Asked Questions

Can I get a mortgage with bad credit?

Yes. Whilst getting a mortgage with bad credit can be difficult, it’s a common situation many applicants find themselves in.So whilst a bad credit history can make things tricky, there are steps we can help you take to start repairing your credit rating and get you back on track to finding the right mortgage for you.

Can I get a mortgage with a bad credit score?

Even with a bad credit score, it is still very possible for you to get a mortgage. There are varying degrees of what is considered to be a ‘poor credit’ score and one black mark on your credit file may not have as significant an impact on your mortgage application as you believe.

What is the difference between ‘adverse’ and ‘bad’ credit?

You may have been told that your credit rating is ‘bad’ or it might have been described to you as ‘adverse’. Essentially, in the context of getting a mortgage, both words mean the same thing and we are able to help you with both.

How do I know if I have a bad credit rating?

There is very little difference between the two, especially as different lenders will look at very different criteria when assessing a mortgage. However, if you know you have any recent defaults, IVAs, are on a debt management plan or have CCJs, you may want to seek the help of specialist advisors, like Amber Mortgage Solutions, who will be able to advise on the best mortgage for you.

How do I find the best mortgage deal for me?

When looking for an affordable bad credit mortgage, there are still many options out there, they may just be that little bit harder to find. Whilst a few high street lenders may consider applicants with minor or historical credit issues, the majority will probably refuse an application with a bad credit history. However, there are still many independent lenders out there who will be able to offer you a suitable deal – you just need the right help to find them.

Will it cost more?

This really is dependent on the perceived potential risk you represent to lenders. Whilst there are some credit events considered more serious than others, such as CCJs or bankruptcy, there are still ways you can remedy your credit score to lower the costs to yourself. For example, if you have a CCJ from several years ago on your credit report, but you have since made all of your credit repayments on time and used them responsibly, whilst a high street lender may still refuse your application, this would look more favourable to an independent lender who can offer you the right deal.

Where do I start?

Contact us today! Our friendly advisors will be happy to talk you through the next steps available to you and help you on your way to obtaining the mortgage you need.We’re here to help you, not judge you, so call us on 01702 619 221.