Can i remortgage if the I have already been bankrupt?

Yes, it’s still possible to remortgage if you have a default on your credit record. Mainstream lenders usually prefer applicants to have a cleaner credit, but specialist lenders will approve people with all types of credit history, in all kinds of situations.

Fundamentally, the more mature the fresh new standard the better. Loan providers will additionally be the cause of some other bad credit within this your number.

One may get a standard draw taken out of your own borrowing file, however, this will simply be done by the lending company which place they there. It is preferable to test your credit rating continuously. For people who location one marks you to shouldn’t be here, you can contact the credit agency and ask for they to help you be removed.

We work with specialist mortgage brokers who help people just like you to access these unique mortgages. See how you can get a financial that have non-payments.

Ought i remortgage that have an IVA?

Being in an IVA now or in the past can make things tricky when it comes to remortgaging. It’s not impossible though, and lenders can be more lenient with you than if you were applying for a mortgage for the first time.

Home loan companies will always envision your if you have left with your IVA money. They probably want to see evidence of the past 12-2 yrs repayments, so possess those people convenient.

Each lender vary with regards to IVA remortgages. […]