If you have a damaged credit record, you might find that your mortgage application is rejected by a mainstream lender. These days, that is nothing to worry about, one in four people in the UK would be turned down by the main High Street lenders. Different lenders have different criteria for lending. Different lenders may see you more positively than others. So there’s no hard and fast rule of what’s considered bad credit. There are a number of lenders specialising in this sub-prime sector (also known as non-conforming or adverse credit). You may have to pay slightly higher interest rates, but a full range of fixed, capped, discounts, trackers and flexible mortgages should be available to you. There are mortgages available to you whether you have County Court Judgements (CCJ’s), defaults, missed mortgage payments or even if you are discharged bankrupt. Rates will obviously depend on your credit history.
Business Hours
Monday – Friday 9am to 5pm
Saturday & Sunday – Office Closed*
Bank Holidays – Office Closed*
*Advisers are available on emails outside of office hours.
Come and say hello at our offices.
You can find us located on the main street of the barbican directly opposite the Plymouth Gin Distillery.
Parking
There is a pay and display car park located on the street behind the office. The Parade, Plymouth, PL1 2JL.
Business Hours
Monday – Friday 9am to 5pm
Saturday & Sunday – Office is open for appointment bookings
Bank Holidays – Office is open for appointment bookings
*Advisers are available on emails outside of office hours.
Trinity IMB is an Appointed Representative of Draper & Co Ltd, which is authorised and regulated by the Financial Conduct Authority reg. no. 617862. Reg address: Cressy Cottage, Whitsoncross Lane, Plymouth, PL5 4NR. We are a credit broker, not a lender We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
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