Key Features

Adverse credit can be split into 6 categories.

  1. Secured debt arrears – This covers mortgages or other secured loans whose monthly repayments are not being met.
  2. Unsecured debt arrears – This covers bank loans, credit cards or hire purchase arrangements which aren’t being met each month.
  3. CCJ (County Court Judgement) – A CCJ is a judgement that a county court issues when someone has failed to pay money they owe. CCJ’s are a simple way for creditors to claim the money they are entitled to. Whether its an individual, company or organisation.
  4. Defaults – When a lender stops a loan as its in arrears and demands a full settlement. Customers are taken to court if no settlement is forthcoming.
  5. IVA (Individual Voluntary Arrangement) – When an individual is struggling with unsecured debt. They consult an insolvency agency who will work out how to reduce the debt and how much an individual can afford to repay each month so that debts are repaid in part. At the end of the term, any unpaid debt is written off. This is different to bankruptcy which puts a persons home at risk.
  6. Any adverse credit connected to a corporate body. For example, an individual who has been a Director/partner in a company which has gone into liquidation.

Key Information and Benefits

  • Speak to a consultant today for a free personal consultation and they will handle your case from enquiry to completion
  • Flexible and creative financing solutions to meet your needs from our panel of 100+ lenders
  • Loans/mortgages from £100,000 to £20 million (smaller loans only considered in exceptional circumstances)
  • Market leading interest rates. The actual interest rate will depend on the risk, quality of the credit profile and the purpose of the loan/mortgage
  • Lowest overall cost of financing will be considered for your individual case
  • All incomes levels, evidence of income, credit histories and funding requirements will be considered
  • High loan to values available 100%+ funding can be achieved with additional security or by introducing more than one lender to a case
  • Financing terms can be short term (a few months) or long term (many years) to suit your needs.