Have you experienced credit problems in the past?

- Missed or made late payments on your mortgage? - Incurred a County Court Judgement? - Defaulted on a credit agreement? - Entered into an Individual voluntary arrangement (IVA)? - Been repossessed? - Been discharged from a bankruptcy order?

If the answer to any of the above is yes, AToM may be able to assist you in obtaining mortgage funding at rates, which may be lower than you expect.

It is vital however that you contact one of our Specialist Mortgage Consultants to advise and discuss with you the impact of your previous credit history in relation to your mortgage needs.

It may also be advisable prior to these discussions to obtain a copy of your credit file in order to ascertain your credit profile. Your report can be obtained by contacting either: