Specialist Residential

Need a team of experts to place tricky cases? At TS Asset Management Ltd we love a challenge and thrive on helping our brokers and borrowers handle specialist cases.

A loan that one or more persons receive in order to buy a house or other residential property in which they will live. The loan is secured by a lien on the property; the borrowers repay it over a specified period of time. The interest on a residential mortgage is tax deductible under most circumstances.

In their ideal world, lenders would lend only to those with faultless credit histories, perfect work records and adequate deposits. But money problems can affect anyone. Adverse credit problems can be linked to a loan default, a county court judgment or bankruptcy. Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out. Certainly no-one taking out a mortgage wants to see their property repossessed.

Thankfully, some lenders are willing to provide adverse credit mortgages. Deals are unlikely to match standard mortgages; lenders in the adverse credit market (also known as ‘sub prime’ or ‘non-conforming’) will usually charge higher rates.


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