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There might come a time when you need to borrow money, but you have a credit history that does not inspire too much confidence. It makes you think twice before you act. For such borrowers, an adverse credit mortgage is the answer for all their troubles. So to put it succinctly, this type of mortgage is for those who have a poor credit history or a poor credit rating as it is sometimes called. Adverse credit mortgages are also known as sub-standard mortgages, because the interest rate is not very competitive, and as a general rule is on the higher side. It is a poor cousin of the other mortgages available in the market. It is also known by various other names like bad credit mortgage, non-status mortgage, sub-prime mortgage, poor credit mortgage, and credit-impaired mortgage.

A person’s bad credit history is a resultant of numerous causes. Some of the prominent amongst them are bankruptcy, I.V.A, trust deeds, prior mortgage or rent liabilities, and many more. In such cases, borrowers have to apply for a mortgage through professionals called sub prime lenders. As more and more people emerge who have an unsound credit history, so have emerged sub prime lenders. It is a pure case of demand and supply. The supply keeps pace with the demand. Lenders catering to the needs of people with adverse credit have seen a rapid increase over the years, and the idea has taken hold to such an extent that even mainstream lenders are getting into the act.

Money lending is a risky business, and a bank goes through the credit history of a prospective borrower in some detail, before lending him/her money. Their primary concern is getting their money back with the interest accrued. This is the reason why some lending organizations simply do not lend to borrowers who come under the high-risk category. But, there are others who adjust their interest rates on the higher side and give you the requisite loan. More often than not an adverse credit mortgage involves the paying of interest rates on your mortgages that are much higher than ordinary. Thus it prevents fraud & helps both, moneylenders as well as credit takers to improve upon their ratings. This is the prime reason why more & more people are turning towards adverse credit mortgages.

Adverse credit mortgages have their positive side too. Do consider the point that at the end of the day, you do get a house that you can call your own. Moreover, if you repay the mortgage in the designated time frame, your credit history sees a turn for the better. Adverse credit mortgages have come like a breath of fresh air for those wanting to take mortgage. This type of mortgage has given a fresh lease of life to people who want to fulfill their dreams. Not only it prevents fraud but is seen as a cure for bad credit history. The only thing that was standing between these people and their dream was a bad credit history. Adverse credit mortgages have made poor credit history, history!

About the Author: James has been writing about mortgages for many years and offers information on the different types of mortgages available from the web site http://www.1mortgagesuk.co.uk