Website: http://www.nationalguarantee.com/
Phone: 0800 073 8181
This company specialises in bad credit cases, the self-employed, and right-to-buy: the cases other lenders won't touch. Each National Guarantee mortgage case is treated individually so if you want a good rate this is really a service not to touch unless nobody else will lend to you.
National Guarantee fund house purchases where others won't. That includes persons with CCJ's, bankruptcy or in arrears; persons who are self-employed or have unproven income or indeed persons exercising council right-to-buy schemes. It's one of the UK's largest non-conforming lenders, and has been around for 7 years.
The nature of these mortgages is such that each National Guarantee mortgage case is considered individually, and so rates are not available on the website- each product is sold, and funds from a lender allocated, on a case-by-case basis, so the deal you get will be personal to your needs. That is to say, it will also reflect the risk the lender is taking, so don't expect the best deal on the high street!
You will get an in-principle arrangement on a National Guarantee mortgage within a day, and will then take your needs forward to conclusion. If nobody else will give you a mortgage, then this is the right call to make. If you're not burdened by bad debt or lack of accounting; then go elsewhere- this sort of personal service and debt management expertise costs more than your high street lender.
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