IMS for the 'Best adverse credit, impaired credit and bad credit mortgage.

Adverse credit / impaired mortgage calculator.

What is an adverse or impaired mortgages?

Here at Independent Mortgage Services we understand that some people, for many and varied reasons, may struggle to get a mortgage at ‘normal’ rates due to impaired credit status. Our experience and in depth knowledge of the mortgage market means that we will get the very best mortgage for you, at the cheapest possible rates in relation to your credit status. With your permission, we have immediate in house facilities to access your credit file, free of charge and, with access to every lender, can quickly find out which bank is going to offer the very best rates available to you.

We will always endeavour to keep you in the ‘high street’ at normal rates. Where this is not possible, and a more specialist lender may be required, then you can be certain that we have researched the market thoroughly on your behalf to find the best possible mortgage rates for you.

Many of our clients are happily surprised at the rates that are available to them. We will always endeavour to find you the best mortgage with ‘no extended tie in’ so that when your incentive rate is over, you are free to move immediately.
It is in our own interests to find the best possible in terms of rates and other related charges. Many lenders are able to offer the following:

• Ignore all defaults on your credit file
• Accept or ignore County Court Judgments (CCJ’s) completely
• Accept missed mortgage payments
• Offer mortgages that require no proof on income
• Offer generous income multiples

Our 12 years of experience really does count in such circumstances. Why not give us call on 0845 3371707 to speak to one of our friendly and understanding mortgage advisers and see what we can do for you.