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Can you get a bad credit loan mortgage
In these hard financial times we are often asked if a client can get a bad credit mortgage and a bad credit loan mortgage, and whilst its not impossible, we have listed a few things that should help you get a mortgage for bad credit or, if you want to change mortgage lender there are certain things you can do to help move things along more smoothly.
If you want to change mortgage lender for instance, you can apply for your 12 month mortgage statement which will help if you have had any missed 
mortgage payments or late mortgage payments.
If you can get hold of your last 12 month mortgage statement, it will allow you to show any new potential mortgage lender when your mortgage payment was due and how much payment was due, it will also show how much was paid and on what date it was paid so whilst your credit report may show missed payments which a new lender will look at, your mortgage statement may show that the payments were only a day or two late rather than missed altogether which could help reduce your new interest rate or may even mean you could be eligible for a mortgage now the lenders can see your full last 12 month mortgage statement. If you do get your statement its probably best to let your mortgage broker look at it as they should be able to make more sense of the information it contains (some mortgage statements can be awkward to read) which should help you find a mortgage sooner.
Bad Credit Loan Mortgage
Getting a bad credit loan mortgage via a bad credit mortgage lender will be much easier if you have things to hand the lender may ask for when you speak to your mortgage broker.
This includes things like a full three years address history, including postcodes and dates when you lived at any previous addresses, you should also have to hand information relating to any other finance such as second mortgage loans or any unsecured loans including the lenders name, amount owed and monthly payments along with the account number if possible.
There are a few things that are constantly holding up applications and they tend to be the most insignificant things, namely a persons national insurance number, tax district/reference number and if employed, their employee number.
Whilst these may seem very minor details no lender will be able to fully underwrite a mortgage application until all the relevant information on the application form have been completed.
