Have you been denied a mortgage based on your credit history? Have you ever wondered how to get a mortgage with bad credit? Our aim is to make it easier for you to find a mortgage regardless of your credit score.
We understand that it can be difficult to find a lender willing to provide a mortgage in these circumstances, but with help from us, you can get access to a potential mortgage with minimum fuss.
A bridging loan is a type of short term property backed finance. They are often used to fund you for a period of time whilst allowing you to either refinance to longer term debt or sell a property.
Bridging loans are usually offered for between 1-18 months, with the loan repayable in full at the end of the term. Unlike other forms of borrowing the monthly interest is often rolled into the loan, meaning there are no repayments to make during the term of the loan.
An offset mortgage is where you have savings and a mortgage with the same lender and your cash savings are used to reduce – or 'offset' – the amount of mortgage interest you're charged.
Instead of a standard savings account, you could place your savings in an offset account linked to your mortgage. This means you won't pay interest on the mortgage debt of the equivalent amount of the savings.
Self build projects are usually completed in stages and often offer staged releases, meaning the lender will release funds at stages to suit you- meaning you will only pay interest on the funds released rather than the total loan upfront.
Most lenders can lend on an interest-only basis during the build and offer a penalty-free switch to a residential loyalty product after the build is complete.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Registered in England and Wales
Citrine Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK
Registered office address - 39 St. Laurence Way, Bidford-On-Avon, Alcester, England, B50 4FG
Registration number - 12616327
What are our Fees and Charges?
Insurance
We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.
You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.
Mortgages
For our advice services, we will charge a fee of between £395 minimum and £795 maximum. This will depend on the complexity of the case for example adverse credit/ debt consolidation.
• For residential mortgages we charge a fee of £395.
• For buy to let mortgages we charge a fee of £395.
• For clients with complex cases for example adverse credit/ debt consolidation we charge a fee of £795.
Our fee becomes payable when we provide you with our recommendation(s).
If you choose to proceed with our recommendation and the mortgage goes ahead, we will also be paid commission from the lender for arranging the mortgage on your behalf.
The amount of commission we receive varies from lender to lender. Information about the range of commissions available to us from the mortgage products we recommend is available on request.
If you apply for a mortgage that does not go ahead, you will receive no refund.
You will receive a personalised illustration when considering a particular mortgage. This will highlight the key facts about the mortgage product including any fees relating to it and the amount of any commission due to us from the mortgage lender.
If an application is submitted to a lender via a packager (a 3rdparty specialist) we will be paid commission by the packager. This will be disclosed to you.
Citrine Mortgages
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