Adverse Credit Mortgages

If your credit history is not the best, getting a conventional mortgage can be tricky; an adverse credit mortgage may be your best option
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What is an adverse credit mortgage?

If you have some negative credit history, many lenders may not want to loan you what you need for a mortgage – it might be off putting, but don’t let poor credit stop you. Take advantage of our industry experience to find a lender that will help even if your credit rating isn’t the best. Once we have assessed your individual needs and had a good chat we will know exactly who to approach to secure you the right mortgage for your new property.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Why should you use us for your mortgage?

Buying a home can seem like a really daunting and scary process. Here at KH mortgages our aim is to take that worry away.

We know that getting a mortgage is a huge step so let us guide you through the process, explain everything clearly and get you into your dream home with the minimum amount of fuss.

We will go through your current financial circumstances, work out everything for you and explain clearly what you’ll be able to afford. Let us do all the hard work.

Step 1

We will work out what you can afford to borrow so you can search for the right properties

Step 2

We'll provide you with a decision in principle so that the fun can begin, house hunting.

Step 3

We will complete your mortgage application, letting your lender know you've found a property and that you would like to proceed.

Step 4

Once the surveys are completed to the lenders satisfactory we will then issue a mortgage offer.

Check out our mortgage calculators.

We have a range of mortgage calculators that you may find useful at the start of your mortgage journey.

We have our affordability calculator which just requires you and/ or your partners salary, then we can calculate an estimate of what our lenders could allow you to borrow.

We also have a repayment calculator that helps you in your budgeting by giving you an estimate of what a monthly mortgage payment could look like.

Affordability calculator
Repayment calculator

Book an appointment with KH Mortgages, today!

If you’re ready to start the journey of getting your mortgage, or you’ve realised you don’t have the appropriate protection in place. Then simply hit the button below and enquire with us about an appointment.

What are you waiting for?

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KH Mortgages   is a trading name of Yorkshire Financial Consultancy Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.

Yorkshire Financial Consultancy Ltd registered in England & Wales (04121853). Registered address; 37 Commercial Street, Morley, Leeds, LS27 8HN.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

A mortgage fee payable is dependent on the complexity of the case and will be agreed at the outset. A fee of up to 1% of the loan amount is payable, for example on a £100,000 mortgage a 1% fee would equate to £1,000. A typical fee is £299 and is payable at the outset or on the issue of an offer of the mortgage.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

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