Most lenders will offer a home loan in the UK to people with excellent credit. As long as you can afford the payments and have good credit these loans are relatively easy to find.

What happens if you have adverse credit or no credit background? Does this mean you can not acquire a home loan?
No, most lenders just need to know you can afford the payments, then they may grant you a home loan with interest rates which are a little higher than the people in the above categorye.

If you have a very bad credit history, but are sure you will change this it is still possible to get a home loan, this is where our panel of specialist lenders are able to assist. These lenders specialize in higher risk lending. The interest rates they charge will compensate for the risk, but you will be on the road to re-establishing your credit and you can re-finance after about 3 years at better rates.

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LOANS SECURED ON YOUR HOME 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 DEBT SECURED ON IT.
12.8% APR Typical Variable