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Difficult or bad credit remortgages UKWe aim to help ease the financial pressure by changing to a single new mortgage, consolidating any high cost loans you may have.
Regency the difficult or bad credit remortgage UK specialist can help you remortgage your house and you can join thousands of others like you who have paid off debts, improved their homes, taken a holiday or bought a new car… Further sources of informationUseful information for people with poor credit history Useful information for people with poor credit history In the past few years a number of mortgage brokers and lenders have specialised in bad credit (adverse credit) cases. Regency is a specialist bad credit mortgage broker and has 10 years experience in adverse credit mortgages. We will be pleased to advise you. Below are some articles and online resources to help you manage your finances and support your decision to use a bad credit remortgages UK specialist broker. Money Saving Expert 30 page Money Saving Expert Guide to Remortgaging Global Investor Book Shop - Managing debt The Institute of Credit Management Books on Consumer Credit John Battle MP BBCi - Watchdog Live Chats Debt and Bad Credit Specialist Consumer Credit Counselling Service Government websites to help you Information on prioritising debts and what might happen if you ignore your debts. Mortgage arrears or payment difficulties for example bad credit remortgages Council tax arrears and much more... County Court Claims and County Court Judgements (CCJs) What happens, and what you need to do, if somebody makes a County Court Claim saying you owe them money. Responding to a County Court Claim What to do if you receive a County Court Claim, what happens if you don’t respond and where to get advice. Bad credit - How lenders decide how much you can borrow Credit ratings information and agencies Whether you’re buying a new home or changing lenders (‘remortgaging’), a number of things are considered when lenders work out how much you can borrow. These include your income and employment status, the value of the property, your outgoings and your credit history. Whatever a lender is prepared to offer, the most important thing is to be sure you can afford the monthly payments. When someone applies for a financial product like a mortgage or remortgage for example the lender will look at their credit history. Lenders are checking that the person applying for credit is reliable and that they are worth the risk of lending them the money. They do this by looking at their previous finance and credit applications and the reasons why they are applying for the mortgage, as well as looking at the person's income and expenditure. The lender will also use a credit reference agency to carry out a detailed credit check to see if the person has a bad credit history. The two major credit reference agencies are: Experian, PO Box 8000, Nottingham NG1 5GX Equifax Europe, PO Box 1140, Bradford BD1 5US The agencies hold peoples historical financial data files. For the fee of £2 you can request details of your credit file, if the information is incorrect or you would like to add comments simply contact the agencies. |
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Regency Mortgage Corporation is a trading name of Paradigm Two Limited, Authorised and regulated by the Financial Services Authority Registered in England and Wales Number 6455488, Registered office: Discovery Court Business Centre, 551-553 Wallisdown Road, Poole BH12 5AG |
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