• Home
• Enquire Now
• Mortgage Calculator
• Mortgage Checklist
• Payment Protection
• Q&A
• Buying your Council Home?
• Well Woman
• Need a Loan?

Problem Mortgages

Many people may have difficulty obtaining a new mortgage or remortgage, because of any number of different reasons. You may suffer from a bad or adverse credit rating, may have county court judgments (CCJ's) or it may even be that you do not appear on the electoral voters role at your property. Ocean Mortgages could help, whatever the problem. Our highly trained mortgage advisers can guide you through your mortgage enquiry helping you with any problems you may encounter.

We Could Still Help If You Have:

• CCJ's
• Adverse Credit
• Existing Debts
• Mortgage Arrears
• Self Employed

Ocean Mortgages have a large variety of mortgages and remortgages that are designed to overcome many problems you may face finding a new mortgage. We understand that everybody has different circumstances and problems. Every mortgage enquiry is personally looked at by Ocean Mortgages highly trained staff, with their experience and training, they are able to overcome possible problems early and give you the solution.

• All of our Mortgage advisers hold the 'Certificate in Mortgage Advice & Practice (CeMAP) qualification, so you can be sure you are dealing with a company who will provide you with a first class service
• We will arrange for all of the processing & legal work to be completed on your behalf thus ensuring your remortgage is arranged with the minimum of fuss

A Simple Four Stage Process >>

1. NO OBLIGATION ADVICE   Submit enquiry form on-line. Your Personal Mortgage adviser will then discuss your requirements.

2. MORTGAGE DETAILS SENT   Details of your mortgage are sent out to you usually within 48 hours, with pre-completed forms for you to read, sign and return to us by post.

3. APPLICATION PROCESS.   Ocean will process the application for you, dealing with any third parties on your behalf including surveyors. Our solicitors will send out a new mortgage deed to you, which you sign and return to enable completion.

4. COMPLETION   Upon completion, your previous mortgage company is paid off, you receive any extra monies due and your new mortgage begins with your new lender.

We are authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. We are licensed under the Consumer Credit Act 1974 to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counseling, credit reference agency and canvassing off trade premises.