We are dedicated to stopping repossessions
Solicitors accomplished in court proceedings, familiar with FCA regulations governing mortgage lenders and experts in stopping repossessions.
FCA regulated Independent Financial Advisors with alternative lenders sympathetic to homeowners facing repossession.
Proven legitimate property companies and investors that have a true regard for homeowners and treat them fairly.
Our primary aim is to stop your repossession and keep you in your home.
Benefits of using our network
We all know that no one single product or solution fits all.
We are a collaborative group of professionals you really need in your corner.
All committed to one thing, stopping your repossession.
With a plethora of experience and resolutions at our disposal.
We will provide the best solution for your individual set of circumstances.
Manchester based, nationwide service.
Dealing with mortgage arrears
No mortgage lender really wants to repossess someone’s home, repossession is only done as a last resort.
Lenders have specialist teams experienced in dealing with borrowers in financial difficultly.
They will explore options available and wherever possible find one suited to your circumstances.
Depending on your circumstances, you may be offered one of the following:
a ‘part & part’ payment plan paying a reduced amount to cover the interest and part of the loan payment.
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a mortgage term amendment where the length of the mortgage is increased to reduce monthly repayments.
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a switch to an interest-only mortgage for a pre-agreed period reducing your payments each month
It’s important to seek professional advice and explore all options available to you when dealing with mortgage arrears and repossessions.
Our solicitor teams can help you navigate a realignment of your mortgage terms.
Remortgaging with mortgage arrears
With one or two mortgage arrears and a good explanation it may be possible to change your mortgage lender.
Currently there are no lenders who will accept three or more arrears.
Already in the process of being repossessed
After receiving payment reminders and warnings of impending legal action from the your lender and their solicitors, you will eventually receive a Possession Hearing letter from the court.
Although attending court is extremely daunting, it is important that you attend this hearing, your case will be impartially assessed by the court and an arrangement will be sought with you and your lender.
Our solicitors will explain the documentation you received, walk you through the court process and be there by your side presenting your case.
Even if your lender has already successfully secured a Possession Order or an eviction date has been given, our solicitors can apply for an emergency hearing to re-present your case.
If an agreement cannot be made with your lender
To avoid your house from being repossessed and sold undervalue at auction, you need to be in control of the sale and protect as much of your equity as possible.
All remaining options, in one form or another will involve the sale of your property.
You can either repay your lender with a short term loan and sell your property for its full market value or you could opt to quickly sell your property to an ethical property company or investor.
Selling your property for its full market value
A short term loan could clear your arrears or even repay your lender entirely.
Our Independent Financial Advisors have lenders sympathetic to your circumstances.
Terms can be provided in a matter of hours and completion within 10 working days.
Giving you time to sell your property for its full value through estate agents.
Selling your property quickly to an ethical cash buyer
Unlike property companies, we do not buy property, we remain unbiased.
In doing so, we ensure you the best offer, one that it is genuine and that it doesn’t change.
Our proven buyers are thoroughly vetted and required to provide bank certified proof of funds.
They do not require long lock-in agreements and will always work to your timescales.
Even homeowners not facing repossession often choose this stress free type of sale and avoid the hassles of an estate agency sale.
We don’t want you to just take our advice if you decide to sell.
We insist that you take legal advice before committing to anything.
Use your own solicitor or we can appoint one for you free of charge.
As long as you get legal advice, we don’t mind.
You’re not alone, we’re here to help.
