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Don't worry if you have been refused credit

Author: Anthony Harrison

An estimated one in four Britons would be turned down by a mainstream mortgage lender.

This is because not everyone fits the standard criteria lenders apply. But don't worry if you are one such customer - help is at hand.

These days there are around a dozen 'non-standard sub prime' mortgage lenders, who cater for individual cases. Some of them are standalone, others are owned by mainstream banks and building societies. All of them offer viable mortgage alternatives for those prospective borrowers who may not fit the standard mould. 'Non-standard sub prime' can cover a range of different borrower types.

If you have a less-than-perfect credit record, if your requirements are out of the ordinary or if you are self-employed you may fall into this category. If you have never had a bank account or if you have lived at lots of different addresses some lenders will not want you as a customer. As 'non-standard sub prime' mortgage borrowers are considered a higher risk than standard, the rates charged on non-standard sub prime mortgages will be somewhat higher than mainstream rates.

But once you have been with a non-standard sub prime lender for three years, as long as you keep up your mortgage payments you will have established a new history and can return to the mainstream market with a new deal at a lower rate. Non-standard sub prime borrowers may also be referred to as 'sub-prime', 'complex prime' and 'credit impaired'.

About the Author

Anthony Harrison is the Managing Director of Capital Mortgage Solutions. They are a specialist UK mortgage broker who help people with adverse credit problems. Visit them at Capital Mortgage Solutions

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Home Loans

As you may know, I have a very deep passion for real estate and mortgages. In fact, this website is a true labor of love for me.

As publisher, one my many duties is to review the many books, programs and courses about real estate and mortgages that are on the market today. I’ll be honest with you. Most of them are garbage. (Although I do strongly recommend the programs in the “Must Have” box above).

But, let me tell you, when I came upon the following headline, I new I found a winner…

“Learn How To Quickly Build At Least $40,000 Worth Of Home Equity And Pay Your Mortgage Off In 10 Years Or Less” -Without Making Biweekly Mortgage Payments-Or Changing Your Current Mortgage.

Now, the reason I knew it was a winner was because of the name behind the headline. Craig Romero. Many consider Craig to be one of the true geniuses in our field. I have a lot of respect for him, and I urge you to drop what you are doing right now and click the link below...

Home.LoanBegin.com Presents Hundreds Of Articles, Tips, And Resources About Home Equity Mortgages, Refinancing Home Mortgages, And Home Mortgage Loans! Updated Daily.

Article Keywords: Home Loans

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Home Loans