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Adverse Credit Mortgages

Get up to £ 750,000 with a mortgage or re-mortgage, even with an adverse credit rating. If you have adverse credit you could remortgage your house to release between £10,000 and £750,000 for debt consolidation, home improvement, a dream car or for that perfect holiday. At Ocean Mortgages we are dedicated to providing you with a mortgage or a remortgage that matches your needs regardless of any adverse credit rating.

You may feel that having an adverse or bad credit history limits your ability to find a new mortgage deal. At Ocean Mortgages we have specialised in adverse credit mortgages. If you've missed payments, have CCJ’s, defaults or any other credit problems, talk to us about the wide range of mortgage plans we have available.

Getting a new mortgage deal when you have an adverse credit history may be simpler than you think, at Ocean Mortgages we specialise in providing straightforward fast decisions to applicants with bad or adverse credit ratings.

Ocean Mortgages work with many mortgage lenders throughout the UK with a vast range of mortgage & remortgage plans. Ocean Mortgages have a great deal of experience in the provision of adverse credit mortgages and can find a mortgage offer tailored to your specific needs.

• By using our extensive panel of lenders (many of whom specialise with mortgage plans and experience of arranging finance for people with current or past credit problems), Ocean Mortgages are often able to help arrange refinance mortgages for many.

• All of our mortgage advisers hold the 'Certificate in Mortgage Advice & Practice’ (CeMAP) qualification, so you can be sure you are dealing with a company who will provide you with a first class service.

• We arrange for all of the processing & legal work to be completed on your behalf, thus ensuring your remortgage is arranged with the minimum of fuss
  
  A Simple Four Stage Process >>
  
  

1. NO OBLIGATION ADVICE   Submit enquiry form on-line. Your Personal Mortgage adviser will then discuss your requirements with you and recommend to you a mortgage from our panel of lenders.

2. MORTGAGE DETAILS SENT   Details of your mortgage are sent out to you usually within 48 hours, with pre-completed forms for you to read, sign and return to us by post.

3. APPLICATION PROCESS.   Ocean will process the application for you, dealing with any third parties on your behalf including surveyors. Our solicitors will send out a new mortgage deed to you, which you sign and return to enable completion.

4. COMPLETION   Upon completion, your previous mortgage company is paid off, you receive any extra monies due and your new mortgage begins with your new lender.

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We are authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. We are licensed under the Consumer Credit Act 1974 to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counseling, credit reference agency and canvassing off trade premises.