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Advice on moving on from a sub-prime mortgage?

  • 04-07-2016 8:34pm
    #1
    sydneycarton
    Registered Users Posts: 3 ✭


    Hi I'd love to get some advice from anybody who has experience or information on moving on from a sub-prime mortgage. We moved to GE 9 (now Pepper Mortgages) a number of years ago and at this stage we are very keen to get out of it. Our credit rating is still not great but the Pepper mortgage is costing us a fortune and we would love to get away from them if it's at all possible. Is it doable? Any advice as to how we could go about it?


Comments

  • #2
    newacc2015
    Closed Accounts Posts: 2,379 ✭✭✭newacc2015


    sydneycarton wrote: »
    Hi I'd love to get some advice from anybody who has experience or information on moving on from a sub-prime mortgage. We moved to GE 9 (now Pepper Mortgages) a number of years ago and at this stage we are very keen to get out of it. Our credit rating is still not great but the Pepper mortgage is costing us a fortune and we would love to get away from them if it's at all possible. Is it doable? Any advice as to how we could go about it?

    How long have you had perfect repayment history for? What is your LTV? One of the bigger banks might allow you to refinance if you have a good LTV and good recent credit history ie 2/3 years of perfect payments


  • #3
    sydneycarton
    Registered Users Posts: 3 ✭sydneycarton


    Our LTV is good but we wouldn't be anywhere near 2/3 years of perfect payments yet. Wait it out so?


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