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Homebank gives the general public access to software used by it's mortgage specialists.
Use our FREE software to find the BEST MORTGAGE deal for you, today. Our software is easy to use and the rates are updated daily which is vital as lenders continue to vary their products due to the credit crunch.
Who we are...
Homebank Financial Services Limited is an appointed representative of Mortgage Pro UK Ltd. The senior management team have over 40 years experience within the financial services marketplace. We operate from our Sales Centre based in Northampton and have mortgage specialists based all over the UK waiting to assist you.
Testimonials
"We would like to thank Homebank for an excellent tailored service, fair and impartial advice and help with insurance, they also acted on our behalf in our claims over mis-sold PPI policies and within 6-8 weeks reached a very satisfactory settlement and gave us some extra cash! We thank you again and would recommend your service to our friends."
- David Miller, May 2009
Mortgages, Remortgages and Secured Loans from Homebank
We can manage the entire process for you
From the comfort of your own home
No obligation
Homebank is committed to helping you find a mortgage product or consolidation loan to suit your individual needs. We specialise in helping those looking for a bad credit mortgage or bad credit remortgage. By taking out secured loans on property you have the chance to acquire a debt consolidation loan that allows you to consolidate all your debts.
Let us do the work
We'll search more than 3,500 mortgages on your behalf. Mortgages, remortgages, right to buy, buy to let.
Credit Problems? No problem!
We could even help with:Resused credit, IVA, Self-employed, CCJ's, Can't prove income, Defaults, Business use
Introduction to Bad Credit Loans
Who needs a bad credit loan?
People who have suffered financial difficulties can find themselves unable to keep up with their mortgage or credit card payments, and as a result end up with a low credit score, CCJs or even bankruptcy. They then find themselves being turned down for loans with high street providers, or at a normal rate of interest.
How does a bad credit loan work?
Bad credit loans offer an agreed sum of money, usually paid back over a longer period of time, and at a higher interest rate. They are generally offered by a specialist provider, who offers a variety of financial products for people who have been through financial difficulties.
Benefits of a bad credit loan
• Allow people who might otherwise be turned down for a loan to move forward with their life.
• Keeping on top of bad credit loan payments enables a person to restore their credit score, making them eligible for low-interest loans in the future.
How to apply for a bad credit loan
It is well worth getting an expert onboard to help find the best bad credit loan for you. Homebank has some of the best mortgage consultants to guide you through your options, as well as the widest choice of bad credit loans from over 3500 products, many of which aren’t readily available on the high street.
If you’re ready to apply for a loan, or just need a little more guidance on whether it’s the right thing for you, why not call the Homebank freephone line on 0800 052 3604 to speak to one of our friendly advisors, or browse our site for further information.
Bad Credit Mortgages
In today’s financial climate many people are finding themselves unable to qualify for a mortgage, due to debt arrears or CCJs. Bad credit mortgages are an ideal solution for anyone desperate to get onto the property ladder, but find themselves being turned down again and again by high street providers.
Why Choose a Bad Credit Mortgage?
• You have defaulted on credit card or loan payments.
• You have a low credit score.
• You have a CCJ on your credit record.
• You are being turned down by high street providers.
• You want to rebuild a poor credit score.
Choice of Bad Credit Mortgages
Nowadays having bad credit doesn’t mean you will be limited to a poor range of mortgage options. As more people struggle financially and house prices rise, specialist financial companies have created a variety of products to meet the needs of different financial circumstances. With over thousands of bad credit mortgages on the market, there will be one that perfectly suits your needs.
Choosing a bad credit mortgage
With all that choice on offer, it could take you months to select the ideal bad credit mortgage. The best solution is to find a specialist mortgage broker with access to the best products on the market, who will know exactly what kind of product you need.
At Homebank our team of specialists will guide you through the process, helping to select a bad credit mortgage from over 3500 on offer. Owning your own home stops being a dream and becomes reality – just dial 0800 052 3604 to get the best advice.
Bad Credit Remortgages
Bad credit needn’t stop you from raising extra cash by remortgaging your property, whether it’s for a holiday or home improvements. Many financial service providers now offer bad credit remortgages for people who don’t get approved through the normal channels.
How Can a Bad Credit Remortgage Help?
• You can raise extra cash with a bad credit remortgage to add value to your property with home improvements.
• A bad credit remortgage can provide funds to clear your credit card debts.
• You can improve the standard of your life with a bad credit remortgage, whether it helps pay for your kids’ out of school tuition or a family holiday.
How to Choose a Bad Credit Remortgage
Your credit score will determine the type of bad credit remortgage you are eligible for. If you have only some missed payments on your record, then you will have a selection of better remortgages to choose from than if you have CCJs. The lower your score, the higher the repayment rates on the remortgage are likely to be. To help you select the best possible bad credit remortgage for your circumstances, it is best to enlist the help of a specialist company.
Getting Help with Choosing a Bad Credit Remortgage
At Homebank our team of specialists will guide you through the process, helping to select a bad credit remortgage from thousands on offer. Just dial 0800 052 3604 to get the best advice, and find out how a remortgage could change your life – today.
CCJs Mortgages Explained
A CCJ on your credit record used to mean that you couldn’t apply for loans or credit of any type, or be stuck with an extremely limited choice. Now, however, there are many options for people with a low credit score who wish to buy their own home.
What is a CCJs Mortgage?
If a person persistently defaults on loan, credit card or mortgage payments, they can receive a County Court Judgement against them, which stays on their credit record for six years. Whilst many lenders will refuse to loan any money to someone with a CCJ, there are now specialist brokers who will help secure a CCJ mortgage ideal for your circumstances, no matter what the financial difficulties you’ve been through.
What Makes a CCJ Mortgage Different?
The main difference between a CCJ mortgage and a standard one is that the interest rates will be slightly higher, and you will need to go to a specialist financial services provider to secure one.
How to Apply for a CCJ Mortgage
As there are so many CCJ mortgages on the market now, it is advisable to seek out the help of a company who can help select the right product for you. At Homebank our friendly experts are just a free call away, on 0800 052 3604.
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Homebank Financial Services Limited is an appointed representative of Mortgage Pro UK Ltd which is authorised and regulated by the Financial Services Authority.Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.
For mortgage related services the fee will typically be 1.79% of the mortgage advance applied for, minimum fee of �750. In addition, there may be a valuation administration fee of up to 0.7% of the loan amount. For example if you take out a loan of £50,000 you will need to pay a total of up to £1,245; comprising of the broker fee of £895 and the valuation administration fee of up to £350. This in addition to any commission we may recieve from the lender. Broker fees may be added to the mortgage.
Not all Buy To Let mortgages are regulated by the Financial Services Authority
Adverse Credit - The overall rate for comparison is 9.2% APR. The actual rate available will depend upon your circumstances. Ask for a Key Facts Illustration
Right To Buy Mortgages - The overall rate for comparison is 8.9% APR. The actual rate available will depend upon your circumstances. Ask for a Key Facts Illustration
CURRENCY MORTGAGES - CURRENCY MORTGAGES - CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING VALUE OF YOUR DEBT.
Homebank Financial Services Limited is entered on the FSA register under reference
number 464724, as an appointed representative of Mortgage Pro
UK Ltd, who are also registered under the FSA register under reference
number 480862.
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Advantages of a Mortgage Advisor:
Mortgage Experience
With over 3,500 mortgages available we'll help you find the most suitable mortgage rate for you
Wide mortgage Choice
Impartial advice, so you get the most suitable mortgage deal for your situation
Getting the most suitable mortgage rate is simple
Get us to do the work and we will find you the most suitable mortgage rate available for your chosen mortgage.
Mortgage Experience
With over 3,500 mortgages available we'll help you find the most suitable mortgage rate for you
Wide mortgage Choice
Impartial advice, so you get the most suitable mortgage deal for your situation
Getting the most suitable mortgage rate is simple
Get us to do the work and we will find you the most suitable mortgage rate available for your chosen mortgage.
We now require professionals with a proven mortgage sales and related insurances track record. Read More