Mortgages (8.5% APR typical variable)
If you are buying a home and need a mortgage, Need Credit can offer you some of the best mortgage deals around.
Our team of experienced mortgage advisors are all professionally CeMAP and CeRGI qualified, so will help you select the right mortgage from our range of lenders.
We can help find your ideal mortgage - no matter what your circumstances.
At Need Credit, we won't refuse you a mortgage if you have CCJ's or a poor credit history; all it means is that we will work harder in trying to get you the best mortgage available!
If you do have a poor credit rating or have been turned down for a mortgage in the past, then it is even more important that you call us for advice, so you don't end up with a mortgage with unnecessarily high interest rates.
Need Credit offers a wide range of mortgage products so we can find the best one to suit your requirements. These include:
- Standard Mortgages – for those with a good credit history.
- Buy To Let Mortgages – for those looking to buy a property to let out.
- Adverse Mortgages – for those with a bad credit history.
- Self-Certification Mortgages – for those who are self-employed or can’t prove their income.
If you want more information on how we can find you a great mortgage deal, please call us on 0800 048 1774, or leave your details in the Quick Enquiry Form so we can call you back.
LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
For mortgages and re-mortgages the overall cost for comparison is 8.5% APR variable and for secured loans 14.5% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. A broker fee may be payable on completion, and will depend on your circumstances. For mortgages and re-mortgages this fee is typically between 0% and 3% of the gross mortgage amount, subject to a minimum of £2,495 and a maximum of £3,995. For secured loans, the fee is typically between 0% and 10% of the loan value.
Need Credit is a trading style of Ask Finance Ltd (Registered in England and Wales. Company number 4229724), a wholly owned company of the Harrington Brooks Group Ltd. Ask Finance Ltd is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit License No: 507130. Ask Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.