Does it matter if I have had cj’s/bad credit in the past?

It doesn’t matter even if you have had ccj’s/bad credit in the past as mortgage brokers have hundreds of lenders that will determine interest rates on the basis of your credit rating. It is very unlikely that you will be refused providing you have not experienced too many difficulties in the
past with other lenders.

Mortgage Advisers .................................. Mortgage advisers will all have to have passed either the cemap (certificate in mortgage advice and planning) or FPC (financial planning
certificate) with an authorisation to conduct mortgage business via what is
termed a bridge examination paper.


All of these advisers will be FSA (financial standards agency) regulated. This means they are only able to trade under certain guidelines that are
put in place by the FSA. What this means to the consumer is that you are being protected so as you will always have the best advise.

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