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Bad credit remortgages can help solve debt problems

If you're suffering from debt problems, consider a bad credit remortgage.

It's a surprise to many people when they discover they're in debt. When does a big credit card bill turn into a nasty debt? When do a few missed mortgage payments turn into a debt problem? The line between managing your bills and failing to control your finances is a fine one, and many people find themselves on the wrong side of it unexpectedly.

Debt can mount up in a number of ways:

Mortgages
Bank and building society loans
Finance company loans
Credit cards
Store cards
Household bills

All of these represent areas where you can lose control and run up debt. This in turn has an adverse affect on your credit rating, which is based on how well and how often you make payments on your loans and cards.

How a bad credit remortgage can help

If you already have a mortgage on your home, you're struggling to make the monthly payments, and you're building up bad credit elsewhere, then a bad credit remortgage could help you to get back on track. Specially designed for people in financial difficulty, the bad credit mortgage allows you to borrow money to pay back your debts, leaving you with a single, normally significantly lower repayment to make.

The increasing number of people suffering from bad credit has meant that there is a demand for products that help people to pay off their debts and stay on the property ladder. Specialist lenders have developed a wide range of remortgage products that can help people to regain control of their finances.

Bad credit remortgage advice

These specialist lenders make their products available only through dedicated mortgage advisors. These advisors must be authorised and are regulated by the Financial Services Authority (FSA). This regulation means that you are entitled to full information about the products you are being recommended, and that you have the option to go direct to the Financial Ombudsman Service if you have a complaint and your advisor fails to satisfy it. Don't ever use an advisor who is not FSA authorised.

Instead, choose a bad credit remortgage advisor who is qualified and experienced. With access to a range of products, a good advisor can pick the best products for you and then explain which ones are recommended for you. They will look at your current circumstances and talk about what you need to achieve and how you can make a start. Ideally, they will also contact you once your bad credit mortgage is in place, to check that you are still keeping control of your finances and to see if the remortgage is still the right product for you.

If you think a bad credit remortgage is what you need, call Leybridge today on 0800 977 7587. With years of experience and only employing qualified, experienced advisors who believe in real customer service, we are the perfect choice for your bad credit mortgage advice.

Rates from 6.5% APR. The overall cost for comparison is 9.2% APR. This means that 66% of our customers qualify for this rate or less. A broker fee of up to 1.5% of the total amount borrowed may be payable. The actual rate available will depend upon your circumstances. Ask for a personalised 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. How competitive are our fees?

This website is wholly owned and maintained by:
Leybridge Limited of The Garden Suite. Pine Grange. Bath Road. Bournemouth. Dorset. BH1 2PF.
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Consumer Credit License Number: 541607
Leybridge Limited is a company registered in England and Wales with company number: 04831398
Leybridge Limited is registered with the Financial Services Authority registration No. 313790

OUR REGULATION AND PERMITTED BUSINESS
The Financial Services Authority is the independent watchdog that regulates financial services. Leybridge Limited is authorised and regulated by the Financial Services Authority (FSA) to give advice and is bound by their rules. Our FSA Register number is 313790. Our permitted business is to advise on and arrange regulated mortgage contracts and Non-investment insurance contracts. You can check this on the FSA Register by visiting the FSA web site www.fsa.gov.uk/register or by contacting the FSA consumer helpline on 0845 606 1234.

NON FSA REGULATED BUSINESS
Certain products that we advise on are not regulated by the Financial Services Authority these products include but are not limited to; commercial mortgages and second charge secured loans.