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Universal can help you with a Mortgage or a Loan. We have a range of products and services available.

Adverse credit history is not a barrier to getting a loan, mortgage or remortgage with Universal.

People with a history of credit problems such as defaults, arrears, late payments, bankruptcy or County Court Judgements are often described as having adverse credit.

As an adverse credit mortgage specialist, we have access to all the mainstream and specialist lenders who are sympathetic to people with previous financial problems. 

Also, the good news is having an adverse credit history does not necessarily prevent you from securing a competitive mortgage or remortgage.

More and more people are likely to have tainted credit records due to increasing amounts of arrears, CCJs and the increasing use of IVAs and bankruptcy proceedings.

The options open to you will depend on whether you fall under the light, medium or heavy adverse classification and what amount of deposit you have available to purchase your home.

Universal can talk you through the options available to you.

Contact Us today and we can help you!

Mortgages: The overall cost for comparison is 8.9% APR.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case.
Loans: Typical 12.9 % APR (variable)

Fees charged on completion vary according to the sum borrowed and can be included in the total sum of the mortgage, and in which case will accrue interest. £2,500 is an indication of our average fee.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.