Having difficulty remortgaging? Do you have a mortgage problem?

You always all set out with the best intention of paying your mortgage every month, hoping to maintain a consistent and dependable relationship between yourself and your mortgage lender.

However, if you consider having to pay a mortgage over a typical lifetime of 25 years, there is a high chance that events outside of your control may occur during that time period (an accident, redundancy, pregnancy, interest rate hikes), which could have such a financial impact that any of you could start to miss your monthly mortgage payments or find that you are prevented from taking out additional borrowing. You now have a mortgage problem.

There are also matters you can control, but if you ‘drop the ball’ for whatever reason, these can steer you onto a rocky path which may lead to your incurring mortgage arrears. An example of this would be if you choose to pay off other financial commitments instead of maintaining your mortgage payments.

Have you been refused a mortgage?

Lenders will be as sympathetic as they can be, but a single missed/short payment of the mortgage means the legal contract has been broken by you, the customer. If the arrears continue to accumulate, the lender no longer gets a return on their investment, nor do they want to incur the business costs involved with having to employ people to chase you via the telephone and letters for the money that is owed. This situation is intensifed in the event of a repossession case; the lender has to arrange the sale of an empty house, the value of which may have stagnated or even decreased due to it being repossessed. Any additional costs that the lender incurs will have to be paid for. You, the customer, will be responsible for such costs. Your once unblemished credit file also deteriorates as the arrears continue to accrue.

The worst thing is to do with your mortgage problem is to do nothing; especially if there is a possibility that you may miss more payments payments in the future. There are many examples of real life situations where you would take control or swallow your pride and do something about it, for example having a flat tyre on your car, being made redundant, breaking a leg, where an employer decides not to pay you. You don't leave serious issues like these six months before sorting them out at the eleventh hour, costing you more in the long run.

"I cannot get a mortgage. Please Help!"

You may choose to take control of this situation. You may consider contacting your lender or even a debt management company direct as you look to arrange to pay back the arrears, howver the debt management company do not have the power to get the lender to agree to freeze the interest. In addition, the debt and your credit blacklist may still take years to clear. It may also look bad in court if despite your financial ‘fire fighting’ you are still unable to meet any revised payment.

Solve your remortgage problem! Ease your remortgage difficulty!

Crystal Clear Home Loans are non judgemental and are sympathetic to your mortgage problem. We will speak to your existing lender, the repossession courts if necessary and most importantly nominate and disclose to the new lender all of your current financial commitments; arranging the optimum remortgage for your circumstances. We arrange to clear your arrears with your previous lender and if you keep up the new manageable payments over a period of greater than 12 months, your credit score should also improve enabling you to continue to repair your financial status.

What you need is representation, what you need to do is call us on 0800 881 8024. We can sort out your mortgage problem. You don't have to be turned down for a mortgage.

The quicker you call us and deal with the situation, the quicker your life gets back on track.

We can help existing customers of Preferred Mortgages, Future Mortgages, IGroup Mortgages, GMAC Mortgages, Kensington Mortgages, London Mortgage Company, Platform Mortgages, Southern Pacific Mortgages, Rooftop Mortgages, Swift Mortgages , Victoria Mortgages and many more.