Don't worry, we can help

Poor credit ratings can prevent you from being granted a mortgage.

At BJB Financial Services CCJs, defaults, negative equity or arrears need not be a problem.

We help people in the following situations on a regular basis:
• Impaired credit
• County court judgements
• Defaults
• Mortgage or rent arrears
• Property repossession
• IVA
• Bankruptcy

How does it work?

Lenders are aware that in today’s economy not everyone has a perfect credit history.
Many banks, building societies and specialist lenders have the ability to offer mortgage facilities to clients who do not fall into the 'prime' lending market.
A full range of fixed, capped, discounts, trackers and flexible mortgages are available to the ‘sub-prime’ market, and many lenders offer the facility to return to ‘prime’ rates as your credit record improves over a period of time.
If any of these circumstances apply to you, then we may be able to help.

Let us do all the work

Our Independent Mortgage Advisers will guide you through the entire process. Using plain English we will help you through the process step-by-step, working out how much you can borrow, how much it will cost, and what type of mortgage may be most suitable for you.
On your behalf, we will take care of all the paperwork, and liaise with Lenders, Surveyors and Solicitors.
Just give us a call, our complete mortgage service will help you to sit back, relax and concentrate on owning your own home.