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High Loan to Value Mortgages

High loan to value mortgages, with adverse credit history

  • Clients with historical adverse credit history (i.e. no adverse in the last 24 months) can achieve up to 90% LTV
  • This includes those in current debt management plans (DMP’s) as long as they have been in place for 2 years and has been satisfactorily conducted
  • Purchases including first time buyers are accepted on these types of products
  • Re-mortgage to settle current DMP acceptable
  • Typically, rates can start in the region of mid 3% (for 90% LTV but with no adverse in the last 36 months)
  • Some products have a ‘fees free’ feature
  • Clients with current adverse credit history can achieve up to 85% LTV
  • This includes those in current debt management plans (DMP’s) with no minimum period but it must have been satisfactorily conducted for the period it has been running
  • IVA’s satisfied under 1 year ago with no adverse in the last 12 months are considered, only where the IVA occurred due to a major life event such as illness, divorce etc. For this scenario the max LTV is 75%
  • Purchases including first time buyers are accepted on these types of products
  • Re-mortgage to settle current DMP acceptable
  • Typically, rates can start in the region of mid 2% (for 85% LTV), depending on the client/property profile

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