Crosby Finance

An impeccable credit record these days is your passport to consumer heaven.
All that you see can be yours, the brand new car on zero percent finance, the leather suite with nothing to pay for two years, the laptop on HP with monthly repayments of only £16.75; the consumerist possibilities are endless.

Now, for many upwardly mobile people whose incomes increase to meet the rate at which they get into debt this is fine, they will continue to spend and live the dream upon which society is becoming more and more based - that of immediate gratification through consumerism.

However there is an increasing percentage of the populace who are becoming outcasts from this marketplace, for whatever reason they have got themselves into financial problems; bad debts, CCJ’s, defaulted payments etc. This problem is even more evident in young people not yet on the housing ladder and therefore not yet earning equity from their property. Sooner or later their credit score becomes besmirched with records of their troubles and when they apply for a mortgage they are turned down.

Failure to be approved a mortgage is an extremely painful process, it generally comes after having spent months looking for a house or flat. It can put families under huge stress and lead to further economic hardship.

ClicknGoMortgages are a Kent based mortgage broker and advisory centre who specialise in helping borrowers in this very situation. Bad Credit Mortgages can still be arranged through an expert adviser. An amazing 1 in four of us could be turned down my a mainstream mortgage lender. ClicknGo have the access and the experience to allow almost anyone the chance to get on the housing ladder.

So, for borrowers with a poor credit history Click and Go can arrange a Bad Credit Mortgage even if you are a discharged bankrupt.

The downside is that you may have to pay a slightly higher interest rate than you would otherwise be charged for a regular mortgage. But the good news is that a full range of fixed, capped, discounts, trackers and flexible bad credit mortgages should be available to you.

Naturally if you fail to meet repayments your home will be at risk.