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If you have bad credit, then you might think that getting a mortgage is impossible. Obviously it is harder to get a mortgage if you have bad credit, but it is by no means impossible. There are more and more lenders willing to offer mortgages to people with a poor credit rating, especially if your credit problems are in the past. Here are some useful tips on how to get a mortgage with poor credit:

Look at your credit

Before applying for a mortgage, make sure that your credit report is in order. Get hold of a copy and get any mistakes changed. If you have had credit problems in the past but have cleared them up, then you want your credit report to reflect this. An accurate credit report will help you to secure a better mortgage. Also, don’t open or close any accounts as this can affect your score. Try and spread any debts you have or reduce them, as this will put you in a better position.

Have cash reserves

If you have bad credit and cannot afford to put money down on a mortgage, then the lenders will want to see that you have a low debt-to-income ratio and that you have adequate cash reserves. The lender has to see that despite your problems, you are not a huge risk to them and that you will be able to make the payments.

Finding the right lender

Finding the right lender is very important, especially if you want to get a decent interest rate. The best way to find a good deal is online, because you can search for provider rates in just a few clicks. Also, most of the best deals are online due to online companies having low overhead costs. Despite this, it does pay to look offline as well. The more you shop around the better deal you can find.

Problems of getting a mortgage

The main problem of getting a mortgage with bad credit is not getting the mortgage, but getting one with a decent interest rate. Lenders will usually offer you a mortgage, but because you are seen as higher risk the rates will be much higher. You should expect to pay more if you have bad credit, but that doesn’t mean you need to pay huge amounts. If you look around you can find a good deal.

Seek advice

The best way to find a good deal is to consult an independent financial advisor or a mortgage broker. They will find out which companies will consider you and which will reject you. It is important not to apply to lenders who will reject you, because this will adversely affect your credit score and so damage your chances of getting a mortgage elsewhere. However, if you an put your credit problems behind you and are willing to shop around, you can find a bad credit mortgage with a decent rate that will suit your needs.

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