First Time Mortgages | Re-Mortgage | Buy to Let Mortgage | Self Employed
Plymouth Devon and Saltash Cornwall ........
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.
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.
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.
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.
Please Call with any Mortgage or any Mortgage Protection Questions you may have.
Send an email with your question or let us know what time is convenient and we will call you.