Secured Loans for UK Homeowners, Tenant Loans for Tenants, Mortgages and Remortgages

UK Mortgages

Dragon Finance are dedicated to arranging UK Status Mortgages with good credit history or UK Non Status Mortgages for people with credit problems that most High Street Banks are not prepared to lend finance.

If you are an UK resident looking for a competitive rate mortgage or you require a problem mortgage solution then call on the professional services of Dragon Finance. We are introducers for Independent Mortgage Brokers who deal with clean and adverse credit mortgages.

What is Credit Rating?

Before any lender considers lending you credit they will undertake a credit check. This process is used by some lenders to determine what level of credit risk you are. They use a scoring system based on credit history; good or bad, length at current address, security, employment, income and answering these questions gives them a score or Credit Rating. A credit check determines your credit history and whether you have any CCJ's, Defaults, Mortgage Arrears, Bankruptcy, Debts, IVA's, Hire Purchase Defaults or outstanding credit card bills.

Status or Non Status - That is the question?

If you have no previous credit problems and pass a credit check with good scores then you are classed as Status.
If you failed a credit check due to a poor credit history, self employed with no accounts, have the wrong job or work only a few hours a week then you are classed as Non Status. It may not have been recently, it could have been years ago or maybe maybe it was not that you was at fault, but you are still black listed. Maybe you were made unemployed, got divorced. It could be that illness prevented you from paying the bills on time or bankruptcy made it impossible for you to stay in the black.

What are my options?

Mainstream lenders only want high scores and Full Status Mortgages. If you are Non Status then you will require Non Status Mortgage lenders. Some of these will offer you a non status mortgage but at a much inflated rate.
However, our Independent Financial Advisors try to find competitive remortgages to suit your credit circumstances, good or bad.

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UK Homeowner - SECURED LOAN APPLICATION FORM
UK Non-Homeowner - UNSECURED LOAN APPLICATION FORM
UK Mortgage - MORTGAGE APPLICATION FORM
UK Remortgage - REMORTGAGE APPLICATION FORM