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Getting a second mortgage is a great alternative to remortgaging or taking out an unsecured loan, however, just like securing any kind of credit with a bad credit score, it can be very hard to find lenders that’ll offer you a second mortgage.
Thankfully, difficult doesn’t always mean impossible. If you’re a homeowner with equity in your property, then you may still be eligible for a second mortgage, even with bad credit. To increase your chances of finding bad credit 2nd mortgage lenders, our Simply Adverse mortgage experts are the professionals to call.
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If you’re searching for a second mortgage, bad credit history can be a problem, but here at Simply Adverse, we’re on hand to provide a solution. We’re dedicated to finding second mortgage loans for people with bad credit, using our 9 years of trading experience to get the best rates from specialist and niche lenders.
Instead of searching for how to get a 2nd mortgage with bad credit, allow our experienced advisers, expert pre-underwriters, and communicative case managers to step in and help. With no upfront costs and our unrivalled service with proven results, make us your first point of call for a second mortgage.
Having a bad credit history means that you have a record of poor financial responsibility, or no history of financial responsibility. Becoming bankrupt, missing payments, getting a CCJ, and defaulting on payments can all cause your credit score to decrease.
Even without a perfect credit history, it’s often possible to secure a second mortgage. Just call Simply Adverse for more information about securing a second mortgage with bad credit.
If you’re new to the idea of credit scores, or it’s been a while since you checked yours, then here’s everything you need to know:
At Simply Adverse, we do everything we can to simplify the process of how to get a second mortgage with bad credit. We’re always on hand to help if you have concerns about your credit score or your second mortgage bad credit history eligibility.
The good news is that you’ll most likely be able to get a second mortgage with bad credit, but how successful you’ll be is very dependent on whether you’re using a bad credit mortgage broker. With the help of a specialist mortgage broker, you’ll have a much better chance of securing a second mortgage as your broker will be able to gain access to exclusive deals and a wider range of bad credit friendly lenders.
Many lenders, who are not on the high street, will accept most types of adverse credit history, like CCJs and bankruptcy, as long as you can pass the affordability test and have enough equity in your property. Simply Adverse are always on hand to discuss how to get a 2nd mortgage with bad credit if you need expert advice.
Not sure where you stand with getting a second mortgage? Here are the answers to three frequently asked second mortgage questions:
To speak to a Cemap qualified expert about how to take out a second mortgage with bad credit, you can call Simply Adverse today!
Remortgages and first and second mortgage loans for people with bad credit are what we specialise in at Simple Adverse. Here are some of the ways that we can help you with getting a 2nd mortgage with bad credit:
Finding a second mortgage can be a very long process, especially if you’re searching the high street for bad credit 2nd mortgage lenders. Our expert team at Simply Adverse can deal with the whole process for you, from providing impartial advice and free assessments to searching for the best 2nd mortgage loans with bad credit.
We want to bring you the best 2nd mortgage bad credit loans on the market, so we don’t restrict our search to a single panel of lenders. We search out the best deals from niche lenders and 2nd mortgage bad credit friendly lenders.
When we say that we don’t charge up front, we really mean it. Before we get paid, we make sure that you have commitment from the bank to lend and a formal mortgage offer on the table.
Worrying about how to take out a second mortgage with bad credit will only add extra stress to the already stressful situation. To ease your worries, take a look at our 2nd mortgage bad credit eligibility quiz – a fast and effective way to check your second mortgage suitability.
Want to know more about how Simply Adverse can help with how to get a second mortgage with bad credit? You can call us 7 days a week for expert advice.
Simple Adverse works with an extensive range of bad credit 2nd mortgage lenders and niche lenders, to make sure that we can bring you the best rates. The main lenders that we work with, include:
For first class support finding bad credit 2nd mortgage loans, debt consolidation options via second mortgages, and access to exclusive second charge mortgage with bad credit history rates, Simply Adverse are the experienced and qualified service that you need.
Seven days a week, our expert mortgage advisers will work with you to help you secure a second mortgage. For any advice about second mortgages or to start the ball rolling and begin the search for your second mortgage lender, call us today and we’ll be happy to help.
Disclaimer
All content on the Simply Adverse website is believed to be accurate at the time of publication. However, this is a fast-moving sector and lender criteria and policies change regularly. For this reason, we always recommend that you speak to one of our brokers for the most up to date information.
Articles can only ever provide general information and do not constitute financial advice. Our mortgage brokers are fully regulated by the Financial Conduct Authority, and it is only by speaking to them that you will receive advice and information tailored to your individual circumstances. Your home may be repossessed if you do not keep up with repayments on your mortgage.
You should always think carefully, and seek professional advice, before securing other debts against your home or releasing equity from your home.
