UK
Mortgages and Remortgages
"i need
finance for a mortgage but i have a credit history"
If you are looking for a competitive rate mortgage or you require a problem mortgage
solution then an I Need Finance Mortgage or Remortgage.
We are introducers for Independent Mortgage Brokers who
deal with UK Mortgages and Remortgages with rates to cover most
credit histories.
What is Credit
Rating?:
Before any lender
considers lending you credit they will undertake a credit check.
This process is used by some lenders to determine what level of credit
risk you are. They use a scoring system based on credit
history; good or bad, length at current address, security,
employment, income and answering these questions gives them a
score or Credit Rating. A credit check determines
your credit history and whether you have any CCJ's, Defaults, Mortgage Arrears, Bankruptcy, Debts, IVA's,
Hire Purchase Defaults or outstanding credit card bills.
Would
I be classed as having a poor credit rating?:
If
you have no previous credit problems and pass a credit check with
good scores then you are classed as having a good credit record.
A credit check determines your credit history and whether
you have any CCJ's, Defaults, Mortgage Arrears, Bankruptcy, Debts,
IVA's, Hire Purchase Defaults or outstanding credit card bills.
If you failed a credit check due to a poor credit history, self
employed with no accounts, have the wrong job or work only a few
hours a week then you are classed as high risk and likely to be
assigned a poor credit status. It may not have been recently, it
could have been years ago or maybe maybe it was not that you was
at fault, but you are still black listed. Maybe you were made
unemployed, got divorced. It could be that illness prevented you
from paying the bills on time or bankruptcy made it impossible for
you to stay in the black.
The differences
between a Mortgage and Remortgage:
On the whole a mortgage and a remortgage are the
same. If you are moving or you a re looking to buy your first property
then you require a mortgage. If however you do not want to move but you
require a better rate mortgage or you want to help release equity in your
property to pay for home improvements, a holiday, a new car or debt
consolidation then you require a remortgage.
If you complete
the ineedfinance
application form we will get you a FREE, HIGHLY COMPETITIVE
UK MORTGAGE AND REMORTGAGE QUOTE
with amazing rates.
This is a FREE
service and only costs YOU the TIME it takes to complete this application form.
UK
Mortgage and Remortgage Application Form
All Text
fields marked with a *
are required fields
IF YOU WANT A UK LOAN THEN PLEASE
CLICK HERE TO USE THE LOAN DATABASE!!
Data
Protection information - YOUR RIGHTS
The information you provide us with will be used to assess your application and will be retained on our system and may be submitted to Lenders who will use it for the same purpose. Both we and the Lenders will search your credit record at one or more licensed credit reference agencies.
They will add details of our searches to your credit record, and these may be seen by other organizations which make searches in the future. If you do not qualify for the loan
applied for, or we believe that another product may be more suitable for you, we may pass your details to other Lenders or companies who may offer you alternative loan
products or services. The information may also be used by us for the subsequent marketing of loan and related products and services to you.
Every effort has been made to ensure that the facts here are
correct. No liability is accepted for any errors contained herein or for any loss resulting from actions taken.
I Need Finance are introducers for Independent Financial Advisors and have no
actual involvement in specific applications.
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A
LOAN OR MORTGAGE SECURED UPON IT.
NON PAYMENT OF ANY LOAN CAN AFFECT YOUR CREDIT RATING
©
2003 IneedFinance.co.uk
Consumer Credit Licence - 543692
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