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Poor Credit history can include County Court Judgements(CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements

It is worth noting that the shorter you make the administrative process, the more organised you will need to be

We specialise in helping people who find it difficult to obtain a mortgage or loan

A Guide to Unsecured Personal Loans Unsecured personal loans are offered by lending institutions such as banks and building societies

This tends to be between £25 - £50 and may be avoided if enough objections were made

Lenders have an array of different criterion on which they will base the maximum LTV and at Just we will be able to provide you with advice regarding different lenders attitudes in this area

Total monthly payments will remain constant unless interest rates change, but as each year passes the capital part of the payment will increase as the interest element decreases

Mini individual savings accounts are also divided into the same three areas although only one of the investment areas may be held in each policy

If the rate offered is a variable rate, it may rise or fall in line with any base rate changes during the term

Other advantages of flexible mortgages are that payment holidays can be taken during the year and extra funds are normally available via a drawdown facility

A survey carried out by the mortgage lender should indicate what sum to insure

When viewing we always suggest taking someone with you for a second opinion as well as your own safety

This may cover issues such as disputes with neighbours

As a result a lender may restrict the amount they are prepared to advance or place conditions on the advance

A seller may ask you to negotiate specific issues or accept your offer in full; In which case by Scottish Law you are fully committed to the purchase