There are plenty of bad credit mortgage lenders who will offer specialist products which are more flexible with criteria. Bad credit mortgage lenders will even consider cases from individuals who have had arrears, defaults, county court judgements (CCJs), individual voluntary arrangements (IVAs), been placed on debt management plans or suffered bankruptcy in the last six years.
You may need to pay a slightly higher interest rate when you first take out the loan, as the provider will automatically consider you to be a higher risk. But if you keep up your repayments, and take active steps to improve your credit rating, there’s no reason why you can’t find yourself in a much better financial position in the months and years to come – We could even look at moving your from your bad credit mortgage lender to access a much better deal when you eventually come to remortgage.
Your Local Mortgage Broker
I am a whole of market Mortgage Broker, who has been working in the financial industry for a number of years. I started out introducing clients for Mortgage Brokers, I then worked in debt management and will writing and became Cemap certified in 2016. I have worked in house at an estate agents, on the high street and independently, meaning I understand the process from a number of angles from start to finish.
As a whole of market broker I can give you access to mortgage deals from over 100 lenders. That means I am not tied to one in particular and your needs are my first priority. This can help save you time and avoid any confusion, improve the chances of you getting a better rate, but also improve the chances of you getting a ‘yes’ on your first application, because I know how to prepare a mortgage application on your behalf.
I can talk you through each step of the buying process and you can benefit from my experience and local knowledge. I have solicitors available for online or face to face consultations.In addition local links to estate agents and property managers. I also work with and can recommend local accountants and bookkeepers. Making the whole process easier for you.
When choosing a mortgage a small difference in interest rate can make a huge difference in the repayment amount over the term of a mortgage. Remember also that the interest rate is not the only thing to look out for… If you need flexibility then mortgage offers with large exit fees may not be right for you. That is why I like to talk through what you are looking for to see how I can really find the deal that is right for you and your unique personal circumstances.
Your initial strategy consultation is free,and although there is a fee on application and offer, we aim to add value over and above this so you will be completely satisfied that by using our service you have made a sound financial investment across the term of your mortgage.
So whether this is your first home or you are a seasoned Landlord, I believe that I can help you:
In addition, I can help you with the following insurance products:
I am driven to help people realise their property goals and I am flexible in my approach so I’m available outside office hours. I use technology to communicate and provide documents reducing stress and speeding the process up.
Help The Homeless Leicester
I have always felt that giving back to the community was important, so am proud to announce that Matrix Mortgages will provide a contribution to Help The Homeless Leicester for every new mortgage that completes with us. I truly believe their service can change and transform multiple lives for the better and help eradicate homelessness and rough sleeping within our city.
With the help of Matrix Mortgages and the people of Leicester, we can ensure the city looks after it’s occupants, ensuring that people who are less fortunate can have a roof over their head.
Our support for the local community
Matrix Mortgages is proud to support Stoneygate Lions, a local grass roots football team in Leicester. We feel that supporting local teams helping the community to prosper and we have a passion for grass roots football and the good it does for the community in Leicester.
Their vision is to provide a happy and inclusive environment for young people to learn and develop their football skills and feel valued for their contribution on and off the field. They are an FA Charter Standard Youth Club that’s been going since 2003 and are affiliated to Leicester & Rutland County FA.
They currently run 16 teams, catering for ages 5 to 21, and have over 200 members participating in games across the county in various Leicestershire Youth Leagues. Stoneygate Lions train and play their matches at Judgemeadow College in Evington Village, which boasts some of the best facilities with access to 2 3G pitches and 18 grass ones.
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