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Tailored, Independent Advice, when you need it the most
"James did not look down on my credit problems; simply provided the solutions"
T.Ajilore, Equity Finance Controller, London
T.Ajilore, Equity Finance Controller, London
If you have previously had credit problems, this can often mean being heavily penalised when looking to arrange a mortgage. At Independent James, we look to minimise this in a number of ways.
Independent mortgage research is absolutely vital in this area, coupled with experience and personal relationships with lenders means Independent James is ideally suited to advise you in this area.
Initially, a sympathetic ear is what you need. This is where our individual and personable service excels. Looking closely at your individual situation, we may even be able to avoid the need to approach one of the more specialist lender and gain access to high street banks.
Upon obtaining the best mortgage possible for you (again utilising the latest independent research technology), we need to look at rehabilitating your credit record and rating, and also looking at ways to avoid the mistakes of the past. We would also address the importance of the need for appropriate and effective Protection.
The market for those with credit problems has never been more challenging, with numerous lenders departing the sector due to the Sub Prime crisis. There are still lenders operating in this area but the choice is now limited and your initial application and credit score are vital. However, we can still make a recommendation for you and if appropriate refer you to a reputable Debt Management company.
At Independent James we strongly believe in looking forwards and not back, presenting solutions not obstacles. Again, at the heart of this is each individual's Education in financial services.
http://www.citizensadvice.org.uk/index.htm
The Citizens Advice service helps people resolve their legal, money and other problems by providing free information and advice.