Hi folks
I am a broker - we have, and some other brokers also have, agencies for specalist finance houses who deal in this area.
Couple of points to note:
1) Specalist finance houses are not necessarily loan sharks!! There are a couple of reputable suppliers, who specalise in cases where people have poor ICBs'
2) The good supplies aim to get you back into "regular" mortgage land in 12-24 months.
3) The rates they charge are slighly more expensive - generall in the range 4-5% which I feel is not unreasonable, given the percieved risk associated with this type of lending
Any of this help?