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 consolidation 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

 

 

 

 
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Self-Certification Lifetime Mortgages

WOULD YOU LIKE TO TAKE EQUITY FROM YOUR PROPERTY WITHOUT HAVING TO PROVE YOUR INCOME?


  Self Certification mortgages were withdrawn from the market in 2010, however if you are aged over 55 there are several lifetime mortgage providers that will offer you a mortgage without any proof of income.

 Mortgages with Self-Certification for the self emplyed

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  You may have an existing mortgage which is due to be repaid and do not have the means to do so without selling your property.  You may wish to raise funds for home improvements, debt consolidation or just to enjoy life.
  Lifetime mortgage providers will normally base the amount they will lend you on the value of your property and your age(s) rather than any income you may receive from employment or pensions.
  You may not be aware that a lifetime mortgage can also be used to assist in the purchase of a new home, so if you are thinking about moving home but might need to borrow additional funds to enable you to do so, a lifetime mortgage could be the solution for you.
  You can either choose to pay interest payments each month, so that your debt will not build up or you can add the interest to the loan, with the amount outstanding increasing year on year.     Either way, the lender will not expect you to repay the lifetime mortgage until either the death of the second one of you or if you both enter into long term care.

If you would like a personalised illustration, then please call us on 0800 158 3220 to speak to one of our advisers for advice.

If in the process of re-mortgaging you consolidate other non secured debts into your mortgage, you should be aware that by taking these commitments over a longer period you will pay back more in interest over the term.

If you are re-mortgaging away from your existing lender be careful and check whether or not you will incur any early repayment charges.

  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