Be rest assured that you are not the only one with a bad credit rating and the demand for adverse credit secured loans is rising. Nobody is immune to the detrimental affects of a bad credit history; it could happen to anyone. Perhaps you fell ill and missed a couple of credit card payments, got into mortgage arrears, or had a CCJ issued against you. Or perhaps you’re in a position where you find it difficult to improve your income.

Your financial circumstances change and you may need to apply for credit somewhere along the line. You may have a slight problem when applying for credit, as most lenders will want to be satisfied you can afford the monthly loan repayments.

However, credit solutions are available to you as homeowners can use the equity in their home to apply for an adverse credit secure loan. Most lenders now realise that an adverse credit score may not always be the best way of determining a future borrower’s creditworthiness.

We want you to make the right decision and we will endeavour to guide you in the right direction. Call us at Harrington Brooks today on 0808 131 0040 and speak to one of our qualified consultants.

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LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

For mortgages and re-mortgages the overall cost for comparison is 8.5% APR variable and for secured loans 14.5% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. A broker fee may be payable on completion, and will depend on your circumstances. For mortgages and re-mortgages this fee is typically between 0% and 3% of the gross mortgage amount, subject to a minimum of £2,495 and a maximum of £3,995. For secured loans, the fee is typically between 0% and 10% of the loan value.

Harrington Brooks Debt Consolidation Loans, Re-mortgages and Equity Release is a trading style of Ask Finance Ltd (Registered in England and Wales. Company number 4229724), a wholly owned company of the Harrington Brooks Group Ltd.

Ask Finance Ltd is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit License No: 507130. Ask Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.

Harrington Brooks commits to maintain the accuracy of all the website advice. But occasionally, rules and regulations regarding the advice given can change and our website may become temporarily out of date. To ensure that you have the best and latest information available, please contact us on 0808 131 0040 and speak to one of our expert advisors.