Testimonials >> "If it weren’t for great people like you, there wouldn’t be grateful people like me."- Varghese (South County Dublin)

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Non-Standard Lending

At Lucas Mortgage Finance we can also offer finance to people who have been unsuccessful in getting a mortgage from the main banks and building societies. We understand that people often face financial ups and downs for reasons outside of their control. We believe that these circumstances should not prevent you from getting a mortgage.

There are still options available. There are many reasons why people fail with the main lenders:

- irregular employment, such as contract workers.
- a high proportion of variable earnings like commissions and bonuses.
- a poor credit history - arrears history or revoked credit cards.
- self-employed people who are not in a position to produce audited accounts to verify their current income.

If any of these situations seem familiar to you and if you are having difficulties raising a mortgage, then contact us and ask about “non-standard mortgage lending”.

People are now becoming much more knowledgeable about the benefits of combining debt and rescheduling their monthly outgoings. By merging a number of loans you can reduce your overall monthly payment and make life much more manageable. On the other hand you may well pay more interest in the long run. This consideration is often secondary but we will show you the comparison to enable you to make an informed choice.

A refinance package gives you the following options:

- Combine all existing debt into one lower  monthly repayment
- Borrow amounts from €25,000
- Release extra cash for home improvements or any other purpose
- Interest-only options available
- A range of variable and fixed rate options
- Borrow for periods up to 40 years
- Maximum maturity of 80 years of age
- Borrow up to 80% of the value of your property


Bad Credit and Credit Repair

As part of the service to non-standard lending clients we want to help people who have had a bad credit history. Not only will we look at putting all your loans together resulting in one lower monthly repayment to cover everything, we also want to help you get back to the mainstream lenders in the future. In other words we want to help repair your credit history.

Non-standard lenders charge higher interest rates than the mainstream lenders, so we want to get you back as soon as we can. By establishing a perfect track record with the non-standard lender we can approach the prime banks and building societies on your behalf in the future and look at reducing the cost of your credit.

Call us today on 01-6276000 or email info@lucasmortgage.ie