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Submission: On September 10 via automatic, source certstream-suspicious — Scanned from DE
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0203 972 2244 Lines open: 9-5 Mon-Sat CALL 0203 972 2240 Lines Open 9am - 5pm Mon-Sat Speak to an advisor now 0203 972 2244 ReviewsWhy Choose Us?FAQsGet A Call BackDo You Qualify? BAD CREDIT MORTGAGES YOUR BAD CREDIT MORTGAGE MADE EASY Get a bad credit mortgage Pre-Approved in as little as 24 hours with our specialist in-house underwriting team. We can find you a great bad credit mortgage deal if you have... GET YOUR MORTGAGE PRE-APPROVED IN AS LITTLE AS 24 HRS GET PRE-APPROVED TODAY Take our online quiz >> It's quick, easy & mobile friendly. No credit check required. Max 95% LTV. Winner AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY * Defaults or CCJ's * Missed or Late Payments * Low Credit Score * Payday Loans * Declared Bankrupt or Entered an IVA * Returned Direct Debits & Much More... KNOW YOUR MORTGAGE OPTIONS Take our online quiz >> Takes less than 2 minutes. No credit check required. Authorised and Regulated by The Financial Conduct Authority No Upfront Fees | Up To 95% LTV | Fast Decisions BAD CREDIT MORTGAGE SPECIALISTS We understand the issues and difficulties you face when looking for bad credit mortgages. Considering ourselves as bad credit mortgage experts due to our excellent rates of success, we help clients with defaults, CCJ's and even bankruptcy secure great deals on bad credit mortgages by aligning ourselves with lenders that are looking for you. Whatever the purpose, or whatever your circumstance, if you need a bad credit mortgage then take our short quiz or contact our experts to see how we can help. TRUSTED BAD CREDIT MORTGAGE BROKERS Don't just take our word for it... Read genuine customer reviews to see what makes us trusted bad credit mortgage brokers If you are using a mobile device please turn to landscape to read them. GENUINE BAD CREDIT MORTGAGE ADVICE Speak To An Advisor Now Not sure if our service is suitable for you? Wondering what to do for the best? Put your mind at ease with genuine bad credit mortgage advice, with no obligation to proceed. We help people in your position every day, so are confident that if you have bad credit and need a mortgage, we can quickly find and talk you through the best options available, without the need for hard sales or pressure. CLICK TO CALL TAKE THE QUIZ OUR BAD CREDIT MORTGAGE LENDERS We compare 1000's of mortgages Our large panel of lenders allows us to search High-Street Banks and Building Societies throughout the UK to find the best bad credit mortgages for you. In addition our experienced team know which Specialist Lenders to approach to match your individual circumstances. Slide 2 of 3. WHY NEWWAVE BAD CREDIT MORTGAGES? Here's just a few ways our Bad Credit experts help... We are proud our Broker Service is tailored specifically for The Self Employed just like you Exclusive Rates WE ACCESS EXCLUSIVE BAD CREDIT DEALS NOT ON THE HIGH STREET No Upfront Fee YOU ONLY PAY OUR BROKER FEE WHEN YOUR MORTGAGE IS AGREED Experienced Brokers OVER A DECADE OF EXPERIENCE SECURING BAD CREDIT MORTGAGES Fast approval GET YOUR MORTGAGE AGREED IN PRINCIPLE WITHIN 48 HOURS* Specialist Advice OUR ADVISERS FOCUS ONLY ON BAD CREDIT MORTGAGES INCREASING YOUR CHANCES OF BEING ACCEPTED GET YOUR MORTGAGE PRE-APPROVED TODAY Take our online quiz >> It's quick & easy. No credit check required. KNOW YOUR OPTIONS IN MINUTES Take our online quiz >> It's quick, easy & mobile friendly. No credit check required. BAD CREDIT MORTGAGE FAQ'S Frequently Asked Questions Our experts like to keep things simple and in plain English. How can I improve my poor credit rating? There are a few things you can do to help improve your credit rating: 1. Ensure you are registered on the electoral roll at your current address 2. Set up ALL credit commitments to be paid by direct debit 3. Close any historic credit accounts you have or are no longer using 4. Consider applying for a credit builder credit card which helps to show lenders you can manage money responsibly 5. Regularly check your credit report to make sure that all the information is correct Making the changes noted above can help improve your credit score, but be patient as it takes time to have a positive effect. Find out if you qualify today. Take our online quiz Can I get a joint mortgage if my partner has bad credit? Yes most certainly, a joint mortgage application often allows you to borrow a higher amount based on the fact both incomes are included when calculating how much the bank will lend. However, if your partner has a bad credit record, and their income is not required then you may be financially better off applying in your sole name. It’s important your bad credit mortgage broker understands what all your options are at the outset. Understanding the variety of options available to you before you apply will make sure you don't waste time and more importantly money in the process. Find out if you qualify today. Take our online quiz I’ve missed some payments on my current mortgage. Will this stop me from getting a new mortgage? Missed mortgage payments is one of the biggest negative impacts on your credit file. We'd always recommend making sure any arrears on your mortgage are clear for a minimum of 6 months prior to submitting your new mortgage application. Depending on the circumstances and what you are looking to achieve some lenders may be more flexible than others so it makes sense to contact a bad credit mortgage expert to find out what options are available to you. Find out if you qualify today. Take our online quiz What are the typical broker fees for securing a bad credit mortgage? All our fees are agreed in advance. There are no upfront broker fees to pay, and our fee only become payable once the mortgage has been officially agreed by the Lender. Our typical broker fee is £1495 dependent upon the severity of adverse credit and the lender being used however this can be more than this depending on the Lender and complexities of the case. Find out if you qualify today. Take our online quiz If my credit score is really low, is it better to wait a while before applying for a mortgage? With this in mind, exploring what your mortgage options are today with a bad credit expert makes a lot of sense. Since the recession there has been an increase in the number of lenders that offer bad credit mortgages. The increase in competition has helped drive down the costs for a new bad credit mortgage so the monthly payments may not be as high as you would expect. We don't charge any upfront fees so why not find out what your mortgage options are without it costing you a penny! Find out if you qualify today. Take our online quiz Can I get a mortgage with a CCJ or a Default? Quite simply, yes! There are a growing number of lenders that accept applications with County Court Judgements (CCJ) and Defaults, even if they are unsatisfied. The main factors that will affect your application are: 1. The amount of deposit you have 2. When was the CCJ or Default originally registered 3. How much the CCJ or Default was for 4. Are they cleared or is there a balance outstanding 5. Total number of CCJ's or Defaults registered Rule of thumb is the older the CCJ or Default, the more likely you are getting your new mortgage approved and on better terms. Find out if you qualify today. Take our online quiz How long does it take to arrange my new mortgage? We have a dedicated team of bad credit experts and support staff, so as long as we have a prompt response to any questions that we have we can usually design a solution and get your Decision in Principle agreed within 48 hours. Once our in house Pre-Underwriting team receive your paperwork and agree the case they will then submit your mortgage application. Expect to receive a formal mortgage offer in less than 2 weeks, although for specialist lenders a more realistic timescale is between 4-6 weeks. Find out if you qualify today. Take our online quiz How much deposit will I need for a bad credit mortgage? The minimum deposit required will always be 5% however the actual size of deposit you need depends on your individual circumstances. Typically within 48 hours a bad credit expert will confirm what your options are and the amount of deposit you need so you are fully informed before you decide to go ahead. Find out if you qualify today. Take our online quiz Have a question but can’t seem to find the answer? Click here NameEmail AddressPhone Number (Optional)Please enter your question below Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. GET A PRE-APPROVED BAD CREDIT MORTGAGE TODAY Take our online quiz >> It's quick & easy. No credit check required. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. *Whilst we aim to provide an Agreement in Principle within 48 hours we do not guarantee this. Your adviser will provide indicative time frames based on your personal circumstances after completion of your enquiry. Company Information New Wave Financial Services Limited. Company Reg No: 10757516 Registered Address: New Broad Street House, 35 New Broad Street, London, EC2M 1NH Legal Stuff New Wave Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Our FCA number is 779395 and can be found on the Financial Services Register https://register.fca.org.uk. The FCA does not regulate some forms of Buy to Let mortgages. If you wish to register a complaint, please write to NewWave Financial Services Ltd, First Floor, Astra House, Christy Way, Basildon, Essex, SS15 6TQ or telephone 0203 7945455. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.Please note that Complaints regarding Investment Buy to Let Mortgages are not covered by the Financial Ombudsman Service. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. 2018 New Wave Financial Services. All rights reserved ContactPrivacy Copyright © 2019 newwavebadcredit.co.uk Newwave Financial Services Buy to Let Mortgages Mortgages for Older Borrowers