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Securing bad credit mortgages in Durham might seem difficult, but there are options available for applicants with adverse credit histories.
Lenders will assess your current financial situation and affordability to determine whether you qualify.
While past credit issues such as CCJs, defaults, or missed payments can impact your application, some lenders specialise in helping individuals in these situations.
With professional mortgage advice in Durham, you can explore tailored options, and working with an experienced mortgage broker in Durham can help you access the most suitable deals suited to your circumstances.
To increase your chances of approval for bad credit mortgages in Durham, it’s important to take steps such as reviewing your credit report for errors, reducing outstanding debts, and maintaining consistent income.
Saving for a larger deposit can also demonstrate financial responsibility and reduce the risk for lenders.
Seeking guidance from a skilled mortgage advisor in Durham is key to navigating the process, finding the right lenders, and presenting a strong application, ensuring you move forward with confidence.
There are various options available when it comes to bad credit mortgages in Durham, depending on your specific credit challenges.
These include products designed for those with CCJs, defaults, or debt management plans, as well as those who’ve experienced bankruptcy or repossession.
Each type comes with its own set of criteria, making it vital to work with a mortgage broker in Durham who understands your situation.
They can help you identify the most suitable lender and product, ensuring the mortgage aligns with your financial goals.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
5.00 Rating22 Reviews
Graeme
Malcolm gave excellent advise and helped us through the first time buyer process!
3 weeks ago
Kayleigh
Very good, very helpful and always on the ball. Answer calls outside of normal working hours which was helpful, sent lots of prompting emails to guide us.
5 months ago
Anonymous
I don't think I've written one of these before so hopefully that will mean some weight gets attached to this. Leo was an outstanding mortgage broker and smoothly secured me an offer of a mortgage, after years of aspiring to buy a house. This was...
9 months ago
Jenni
Malcolm and his team were nothing short if amazing helping guide us through somewhat tricky process of buying our home. They were friendly, patient and efficient and deserve more than a five star rating. Thank you again to Malcolm and his team.
11 months ago
Joanne
Malcom, was professional and helped sercure the best mortagage deal for us. We were apprehensive about using a mortage broker as we had never used this kind of service before, but Malcom and the team made it so easy from start to finish,friendly...
1 year ago
Fiona
Very good service from Dinah. Very helpful and no pressure sales. Felt confident I got the best advice for my circumstances.
1 year ago
Katie
We could not recommend UK money man enough for helping us obtain a mortgage. As first time buyers we went into the process clueless, Malcolm and the team have been absolutely amazing. Their communication and expertise has been second to none. The...
1 year ago
Mr Darren
An amazing service from some amazing people. They where with me from start to finish and the support, guidance and advice they gave me was brilliant. I would happily recomend Durhammoneyman. Thank you to all who where involved in my case.
1 year ago
Anonymous
Great service! Very informative and responsive. Made the process for a first time buyer straight forward and went smoothly
1 year ago
Duncan
Professional all the way. Excellent advice from Wayne followed by excellent administration by Anna to complete the transaction. Would recommend.
2 years ago
Martin
Excellent Staff and Service, I would definitely use them again They were very helpful all through the process of my remortgage providing me with the best deal and assisting with any issues or concerns i had, very prompt on replies to my calls and...
3 years ago
Kayleigh
Joe and Chloe have been so helpful sorting out our remortgage. They did all the hard work. I would highly recommend Durham Money Man to anyone! Fab job guys!
3 years ago
Karen
Was very professional and very helpful.
4 years ago
Anonymous
We are very pleased with the service we received. Everything was very simple and the mortgage brokers done everything for us. The mortgage deal they found was significantly less than any we could find ourselves, so it's worth paying the broker fee...
4 years ago
Niall
Fantastic service! Amazing advice and guidance throughout my mortgage application. Would recommend Durhammoneyman to anyone!
4 years ago
Sarah
Durhammoneyman have been an absolute lifesaver in helping me to get a mortgage. Their support, advice and assistance throughout the process has been above and beyond what I could have expected. Without them I would not have been able to navigate...
5 years ago
Donna
I cannot fault the service I have received from Leo, Wendy and the team. They have made a potentially stressful process very easy, offering support and guidance throughout. I would recommend this team to anyone in need of mortgage advice. Thank...
5 years ago
Sandra
Matt was first of all hugely understanding and quite reassuring in what I knew would prove a difficult task! Under 2 years self employment history, trying to gain a second family home without selling the first and possessing a buy to let which also...
5 years ago
Louis
I had a complex situation and I was nervous about the whole thing. Chris worked his magic and got me a mortgage offer within 2 weeks. I was amazed. Working full time I found the evening appointments terrific.
6 years ago
Michelle
Thank you to Laura and Matt who worked seamlessly to get my remortgage offered. I’m really happy with my new deal, much better rate than what my bank were offering.
6 years ago
The process begins with a conversation with one of our experienced brokers who specialise in bad credit mortgages in Durham.
We’ll take the time to understand your financial situation, credit history, and homeownership goals.
By discussing your needs in detail, we can identify the most appropriate options for you, laying the groundwork for a successful application.
Once we’ve assessed your circumstances, we’ll work to secure an Agreement in Principle (AIP).
This document shows how much a lender is willing to lend based on your financial details and credit history.
With an AIP in hand, you’ll be in a stronger position when making offers on properties in Durham, as sellers and estate agents recognise your readiness to proceed.
Using our expertise and access to specialist lenders, we search for the best bad credit mortgages in Durham tailored to your specific circumstances.
Whether you have CCJs, defaults, or other adverse credit issues, we’ll identify products that match your affordability and financial goals.
By leveraging our network, we ensure you’re presented with competitive options that might not be available through mainstream lenders.
Once you’ve chosen the right mortgage product, we handle the application process on your behalf.
Our team ensures every detail is accurate and complete, liaising with lenders and keeping you informed throughout.
From the initial application to final approval, we’ll guide you every step of the way, ensuring you have a smooth and efficient experience securing your bad credit mortgage in Durham.
We specialise in helping individuals secure bad credit mortgages in Durham, no matter their financial history.
Whether you’ve faced CCJs, defaults, or other credit challenges, our team has the expertise to guide you through the process and identify the most suitable solutions for your unique circumstances.
As a trusted mortgage broker in Durham, we have access to an extensive panel of specialist lenders who cater to applicants with adverse credit.
These lenders offer tailored products designed specifically for borrowers in your situation.
By comparing a wide range of options, we can help you find competitive deals that match your affordability.
We offer personalised mortgage advice in Durham, ensuring every recommendation aligns with your financial goals and long-term plans.
We take the time to understand your individual circumstances, providing tailored guidance to help you make informed decisions.
Our client-first approach ensures you feel confident at every stage of the process.
From your initial enquiry to securing your mortgage, we’re with you every step of the way.
Our team handles the paperwork, liaises with lenders, and keeps you informed throughout the process.
By simplifying every stage of the journey, we make it easier for you to secure bad credit mortgages in Durham with minimal stress and maximum efficiency.
Read our 22 Reviews
Durhammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Durhammoneyman 2025.
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Durhammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Durhammoneyman 2025.
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