Bad Credit Mortgages For People With Bad Debt
Help For First-Time Buyers part 2
Graduate Mortgage
You could check whether you qualify for a graduate mortgage. This allows you to borrow more than the standard amount based on your salary with the help of a guarantor. The guarantor could be your parent.
Graduate mortgages differ from standard guarantor mortgages in that the guarantee is only for the part of the mortgage that is over and above the standard amount. With the latter type of mortgage, the guarantee is for the entire mortgage amount.
With a graduate mortgage, once you are earning enough money to cover the whole loan, the guarantor is released. This is good option to take if your parents are not in a position to guarantee the whole mortgage, but maybe just part of it.
Extend your mortgage
Most mortgages run for 25 years. However, if you take a longer one, say over 30 years, it means your monthly repayments will be lower. This is because they are spread out over a longer period of time.
Key Worker Living Programme
If you are a ‘Key Worker’, that is, someone who works in the education, police, health, fire or prison services, you could try the Key Worker Living Programme.
£690 million is being provided by the Government for the programme in a bid to help Key Workers afford to live close to where they work. At the moment it is only available in London and the South East.
The programme helps in a variety of ways such as subsidised loans or shared ownership depending on the type of programme being offered in your local area.
Right To Buy Scheme
If you have lived in a local authority property for at least two years, you may be able to buy your property at a discounted price.
| Mortgage Bad Debts : morgage lenders with bad credit ... this is because the halifax has access to many other mortgage products ... an important question to ask when choosing a mortgage, no matter what type of interest rate you decide 125% Mortgage For Bad Debt : bad credit 12 percent mortgage ... borrowing more and more money for a mortgage is getting easier, with some mortgage providers offering ... a standard variable rate (svr) mortgage is linked to the bank of england's base rate Mortages For Bad Debtors : mortage companys with bad credit ... birmingham and midshires (also known as bm solutions for their mortgages) is a division of the halifax ... this would mean that you would still have an outstanding mortgage balance - and no property! |
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