Adverse or sub prime mortgages

Having a bad credit rating when you need a mortgage to purchase a home can make things difficult; however it does not mean that you cannot obtain a mortgage. This is obviously not an ideal situation so it is important to spend some time discussing this area with us at PIAM Finance.

Maybe at times you'd forgotten to pay a bill or even refused to pay a supplier over some disagreement, or occasionally you did not pay and defaulted on a loan etc. only to find your credit rating has suffered.

Allow us to negotiate with some of our many lenders who loan to people with adverse credit and find the best lender/product for you. Sometimes you might have to pay a little higher interest rate, but then you can begin to re-establish your credit rating.

Once we find a mortgage that meets your needs, we advise that you 'meet your payments'. This will help remove any bad credit rating and make it easier to obtain a mortgage/re-mortgage in the future.