Many borrowers experience times of financial hardship, which may affect their ability to borrow in the future.

Some lenders make allowances for this, however many do not and consequently the adverse borrower may be forced to accept deals paying more than the high street rate.

We endeavour to find lenders that are sympathetic to past adverse credit issues and lend at high street rates similar to borrowers with full credit status.

Below are just some of the circumstances in which we may be able to help

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Upon receiving notification of a County Court Judgement, you have one month in which to pay the amount in full BEFORE the CCJ becomes registered with the Register of County Court Judgements. Once the CCJ has been registered, even if you pay it in full at a later date, it will remain on your credit record for six years.

This will affect your credit history, but it is not the end of the world as it will still be possible to get finance from specialist lenders.

The overall cost for comparison is 8.4% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration.

Your mortgage is secured on your home. This means that if you are struggling to make your mortgage payments and have fallen into arrears you need to act quickly to prevent your home from being repossessed by the bank and sold to pay off your debt to them.

For this reason if you have run into financial problems it is also important that you give your mortgage priority over any other unsecured debts you may have.

However if you are still struggling to make your mortgage payments every month and catch up on any payments you have missed in the past, there are still things you can do to take control of the situation.

By remortgaging your home, you may be able to release enough equity to pay off any arrears you have accrued and possibly even reduce your payments to make it easier to pay your mortgage in the future.

An Individual Voluntary Arrangement, or IVA, is an alternative to bankruptcy in which the debtor arranges a formal agreement with his creditors to pay off a percentage of his debt over a set period of time, usually around 5 years.

An IVA is often seen as advantageous to bankruptcy as it has less of an adverse effect on the person's credit history and their home remains relatively untouched.

However if you have arranged an Individual Voluntary Arrangement, you will probably be aware that although an IVA makes it much easier for you to keep your home, it is standard for many IVAs to include a clause that stipulates that after a set number of years you will be required to have your home valued and to give your creditors a certain percentage of the equity that has been built up as a final payment.

The overall cost for comparison is 8.4% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration.

Getting a mortgage after bankruptcy is not impossible and there are specialist lenders who are willing to offer mortgage loans to people who have been declared bankrupt in the past.

It is important to realize, however, that lending to discharged bankrupts is higher risk and as a result the lenders have to take measures to protect themselves. This generally results in higher interest rates for the borrower or a decreased Loan-to-Value (the percentage of the property value the lender is willing to loan), or possibly both.

The plus side is that getting a mortgage is one of the first steps towards rebuilding your credit history and your life, and in some instances we have lenders who will need only 12 months of good mortgage repayment history before you may qualify for lower interest rates. Please note that by remortgaging to enjoy the benefits of a new lower rate you may incur early repayment charges from the lender. Details of these will be given in a personalised illustration.

The overall cost for comparison is 8.4% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration.

If you don't keep up the repayments on your mortgage or your secured loan, your home may be at risk of repossession.

Being threatened with property repossession can be very frightening. It is important not to panic however, as there are steps that can be taken to prevent it.

Many high street lenders will be unwilling to offer any help to people who have fallen into arrears on their mortgage or loans because of the risk associated there are, however, specialist lenders who are prepared to help in these circumstances.

If you have already had a property repossessed it may still be possible to help you get back on the property ladder.