If you’re a homeowner seeking a subprime lender due to a low credit score and you want to know the options available to you, then you are in the right place.

As a company who is authorised to search the whole of market, Your Mortgage People has access to thousands of mortgage products, enabling us to help people from all kinds of financial backgrounds.

To speak to one of our friendly advisors about subprime mortgages, hit the button below.

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How Subprime Mortgages Work

A Subprime Mortgage is designed to accommodate people who do not meet the criteria required by high-street mortgage lenders. This isn’t just individuals who have defaulted on payments, it’s also those who lack any kind of borrowing at all. Both circumstances put them into the ‘higher risk’ category when it comes to applying for credit and therefore face an increased chance of being declined. Whilst the products of subprime lenders are aimed at helping people with more complex credit records get a mortgage, they do come at a higher interest rate.

Dealing with lenders is often disappointing if your credit history is seen as less than perfect and that’s why there’s nothing like having a qualified, expert broker on your side to get you on track with your mortgage.

1. Send us an enquiry to get your mortgage journey started

2. Your advisor will make contact, tell you all about our process and investigate which lenders are available to you

3. We help you gather together everything you need for your application, and submit it to the lender

4. The lender confirms their mortgage offer and your new mortgage begins on the new terms agreed

5. Funds are released by the lender at the amount agreed in the mortgage terms, with you repaying the amount with interest as part of the mortgage




To discuss Subprime Mortgages or other options available to you, speak to one of our friendly, experienced advisors today by completing the form below.

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