First Time Mortgages | Re-Mortgage | Buy to Let Mortgage | Self Employed

Plymouth Devon and Saltash Cornwall ........

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Poor Credit Mortgages & Bad Credit Mortgages
For Plymouth and Surrounding Areas

Poor Credit & Adverse Credit Mortgages

Here to help, even if you've been turned down elsewhere

The majority of high street lenders use computers to pass or fail your application based on your credit score. However, at Ritchie Independent Mortgages, we work with numerous specialist lenders who will consider any bad credit mortgage on a case by case basis. We can secure mortgages for people with poor credit scores, people on debt management plans and even for people with CCJs. If anybody can find you a poor credit mortgage - we can.

If you know or suspect that you have a bad credit history, we will help you through the whole process and fully analyse your credit file. Once we understand your situation, we will know which lenders will consider your application. Clearly people with excellent credit scores and big deposits will attract the most attractive interest rates. People with a poor credit score can still secure mortgages, but will need to pay slightly higher interest rates.

Our clients with a bad credit score usually ask us to obtain a Decision In Principle for them before they make an offer on any property. It is important to know that you can get a mortgage before you start spending money on valuations and searches conducted by a solicitor. If you are interested in getting a mortgage but are concerned about your credit score or would just like to discuss your circumstances in more detail, please don’t hesitate to get in touch by phone or email.

Independent Mortgage Adviser Plymouth and Surrounding Areas

As Independent Mortgage Advisers in Plymouth we are here to guide you through the process of choosing the right mortgage to suit your particular needs. We take pride and go the extra mile to ensure great customer service at all times. Regardless of whether you’re a first time buyer, moving home, wanting to re-mortgage or purchase a buy to let property, we can help you through each step of the mortgage process. Ritchie Independent Mortgage services also provides a range of protection products, from property insurance through to critical illness cover, for complete peace of mind.

Poor Credit Re-mortgageFirst Time BuyerBuy to Let Mortgages

Getting a mortgage doesn't need to be a complicated process, as your mortgage advisor we will do what we can to ensure that your home buying experience is an enjoyable one, whatever type of Mortgage you require.

Our Services

Whether you have experience of buying a property or are looking to purchase for the first time, knowing which mortgage is right for you is not always straightforward. What may appear the right type of mortgage now may not be suitable for you in 18 months time as your circumstances change.

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    Re-Mortgage

    The Re-Mortgage process is much easier than people think, we can examine your current Mortgage product and advise you on what other Re-Mortgage options would be available to you.

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    Buy to Let Mortgages

    Whether you have found an ideal investment property or are only just beginning your search Ritchie Independent Mortgage Advice can talk you through the the Buy to Let Mortgage process.

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    Poor Credit Score Mortgage

    If you have Bad or Adverse credit, are a discharged Bankrupt, have been in an IVA or Debt Management Program, and you need a mortgage, Ritchie Independent Mortgage Advice may be able to help.

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    First Time Buyer Mortgages

    Ritchie Independent Mortgage Advice can help you navigate the path to home ownership without losing your way with the number of first time buyer mortgage offers available.

Mortgage Advice Phone

Please Call with any Mortgage or any Mortgage Protection Questions you may have.

Mortgage Advice Email

Send an email with your question or let us know what time is convenient and we will call you.