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helping people with similar situations to those mentioned opposite to obtain mortgaged & secured finance

	poor credit history		refused elsewhere		default's		IVA		debt management
	self certification		own bank can't help		arrears		CCJ's		repossession order

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Credit Repair

If you want to repair your credit with bad credit mortgage or remortgage we could help. Baker Financial specialise in helping clients apply for adverse credit mortgage's, contact us today.

What is credit repair?

Credit repair, is the process of accessing any credit problems you may have and devising a solution or plan of action in order to repay the bad debt - thus 'repairing' your credit - or more specifically your payment profile and payment history listed on your credit report, which a lender will refer to in order to determine if you fit their lending criteria.

Baker Financial offer a credit repair service by way of a remortgage or secured loan, we will assess your bad debt, prioritising the 'worst' and put forward a proposal to clear either all or most of the bad debt.

We realise that consolidating debts is not always the best option and, if we feel there may be better options available, we will let you know, if we feel its not in your best interest to consolidate your debts, again we will let you know.

With many years experience working in the adverse credit industry we have a wealth of knowledge at your disposal - we only ever offer advice that is in the best interest of our clients.

Be very wary of companies who state they can repair your credit overnight - this simply isn't possible. Any bad credit will remain on your credit file for a number of years after they have been repaid, although consolidating debts will improve your credit status - as the bad debt will show as settled - they will still show on your credit file.

Baker Financial are able to offer remortgage and secured loan advice from across the market and would ask you contact us to discuss your individual circumstances in person.

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Offering straight forward advice that works.

If you are thinking of consolidating existing borrowing you should be aware that you will be extending the terms of the debt and increasing the total amount you repay.

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Adverse credit mortgage

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The overall cost for comparison is 8% APR

The actual rate will depend on your circumstances. Please ask for an illustration

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 any other debt secured on it

Offering bad credit mortgage and bad credit remortgage advice throughout the UK

Bedfordshire, Berkshire, Buckinghamshire, Cambridgeshire, Cheshire, Cornwall, Cumbria, (Cumberland), Derbyshire, Devon, Dorset, Durham, Essex, Gloucestershire, Hampshire, Hertfordshire, Huntingdonshire, Kent, Lancashire, Leicestershire, Lincolnshire, Middlesex, Norfolk, Northamptonshire, Northumberland, Nottinghamshire, Oxfordshire, Rutland, Shropshire, Somerset, Staffordshire, Suffolk, Surrey, Sussex, Warwickshire, Westmoreland, Wiltshire, Worcestershire, Yorkshire

Baker Financial is an appointed representative of Sage Financial Services Ltd, Which is authorised and regulated by the Financial Services Authority

Address : Baker Financial, 12 Sedgefield Close, Manchester, M5 4JL : Principal Mr C Baker

Sage Financial Services is entered on the FSA register (www.fsa.gov.uk/register) under reference 150452

We may charge a fee, typically this will be 2% of the advance paid on completion, depending on your individual circumstances

The FSA do not regulate some forms of mortgages

The information on this site is intended for UK customers only and is subject to the UK regulatory regime