Berkley Vittoria offer independent financial services and specialise in assisting people with adverse, poor or bad credit histories. Berkley Vittoria can provide mortgages, remortgages and secured loans for debt consoldiation or for other purposes. If you wish to raise funds for a new property or to consolidate credit card or other debts and have CCJ's or some other form of bad credit history then Berkley Vittoria can more than likely help. Mortgages for problem properties and for right to buy properties can also be arranged. Berkeley Vittoria have access to a large range of mortgage lenders and finance providers thus ensuring that we can assist most circumstances.
Bad Credit Mortgage Broker
   Debt Consolidation Mortgages & Secured Loans

 

 

 

 
Mortgage_Quotation

 

 

Difficulty in Proving Your Income?

Many people when applying for a mortgage have difficulty in proving their income: -

  If you are Sub-Conracting and having tax deducted by your "employer", we have a High Street lender that will treat you as Employed and offer High Street interest rates.

Mortgages with Self-Certification for the self emplyed
  You may be self-employed and not have the three years accounts many lenders require.
  You may have accounts, but not up to date.
  You may be a Director of your own company drawing a combination of salary and dividends, whilst also retaining profits within your company.

  We have access to lenders who could assist you even if you have only been self-employed for a short period of time.
  Your income may be irregular or made up of several components i.e.
  • Basic wage
  • Overtime
  • Production Bonus
  • Commission
  • Piece Work
  • Shift Allowance
  Several lenders on our panel take a flexible approach when calculating the size of mortgage you could qualify for.
  Over 90% of the mortgages we arrange for applicants with difficulties in proving their income are with high street lenders at high street rates.

There may be a fee payable upon completion for mortgage advice. The precise amount of the fee will depend upon your circumstances but we estimate that it will be £595. (No broker fee charged on mortgages over £300,000). You have the option to pay us a fee and receive any commission which we are paid by the lender.  If you choose this option, we estimate that the fee will be £995.
The overall cost for comparison is 4.5% APR.
  Think carefully before securing other debts against your home. 
Your home or property may be repossessed if you do not keep up repayments on your mortgage.		  
 ©2010 Berkley Vittoria Independent Financial Services Ltd