Credit Problems - No Problem!

At Options you'll receive the same personalised and quality service whatever your circumstances.

If you have or have had bad credit problems, whether this be in the form of defaults, County Court Judgements, rent or mortgage arrears, IVA/bankruptcy, repossession, or you've just got a low or bad credit score/rating, we can help and give you a fresh start and you can be assured that our high level of service standards will be the same.

Alternatively, it may be that your circumstances just don't match those required by the main lenders. Non-conforming and sub-prime mortgages are becoming very common in today's mortgage environment and therefore many high street lenders are offering products, so many of our clients are surprised at how low the rates are.

Listed below are some of the examples in which Options have been able to assist clients:

Discharged Bankrupt- Self-Employed - House Purchase
A client wanted to move to a larger property after the birth of their second child. Having been made bankrupt a few years ago his ban were unwilling to assist due to a low credit even thought he had recently been discharged - Options were ale to offer a mortgage from a main stream lender.

Self-Employed for less than One Year with no accounts - Need to raise additional capital
An existing client wanted to consolidate a few credit card balances he had accumulated and reduce his monthly payments - Options arranged a flexible mortgage allowing flexible payment options to suit the client’s irregular income pattern and provide a reserve credit facility of funds to draw in the future.

Retired - Buy To Let Property Purchase
A client father wanted to boost his retirement income by investing in the Buy To Let market - Options provided a flexible Buy To Let mortgage giving the client an income stream from his rental property investment.

END