If you would like more information, or you just want to check to see if we can provide a better proposal, use our online enquiry form or contact us on:
0800 699436
(0800 OXYGEN)
or " title="Contact First Rate Mortgages">CLICK HERE TO EMAIL US
Contact me by Skype
Mortgages, Home Loans and Refinancing Loans with Bad Credit up to 85% of Valuation.
Loans to help those with Bad Credit, Poor Repayment History or Mortgagee Sales
Have you got a bad credit history or some late loan repayments through a financial mishap caused by sickness, a bereavement, redundancy, separation, business failure, or just been over committed and overlooked some repayments orbills? So, do you now need a sympathetic ear with an understanding of non bank, private investor or recovery loans, which may be your solution if you are looking to refinance, prevent a mortgagee sale, or for a new start with bad credit.
Do not give up, you could still own a home or be able to refinance as some lenders do provide a home loan if you have a bad credit history with collections and judgements or you have had some missed repayment glitches in the past. Loans can be up to 85% of your property valuation but this will be reduced for bare land, incomplete or run down properties and those not close to main centres. The seriousness of your credit issues and if they have been "PAID" will also be a key factor.
Life is so full of ups and downs, especially over recent years, and although we all try and do our best things can go wrong. This can have an immediate impact on your income, creating pressure on meeting bills, credit cards and mortgage repayments and at times we even miss a few, which are then referred for collection resulting in bad credit.
Lenders are often quick to react in these circumstances, freezing accounts, cancelling overdrafts & credit cards, threatening Mortgagee Sales, which often makes it even harder to concentrate & manage your affairs. The current slowdown in the property market, with higher unemployment, has made the banks even more trigger happy and at times almost impossible to deal with, at a time when you need their help the most!
We specialise in helping people in these times of need, we even return phone calls and are prepared to listen and work through bad credit and repayment issues, to find a loan solution for you. It is so important that you act quickly to protect your equity and credit history and have a sound recovery plan to present to a lender. We will help you with that.
There are still a few lenders in New Zealand who look after the bad credit home loan borrower, so a bad credit rating or poor repayment history may not stop you qualifying for a first mortgage to buy a home up to 85% or to refinance before a lender initiates a mortgagee sale. We recently launched a new webiste which can help those looking for loans with Bad Credit, check out Non Bank Bad Credit.
It is important that you act promptly as you need to protect your equity, things can snowball very quickly and you do not want to put your home at risk of a mortgagee sale. Contact an accredited NZMBA specialist mortgage broker now!
Contact us for more information
info@firstratemortgages.co.nz
or Freephone 0800 699436 (0800 OXYGEN)
Contact me by Skype
