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Home Recovery

Why consider the Home Recovery Scheme?
You may not want to leave your home because of children in school, because of family ties or because you have carried out improvements to the property. You may be retiring and be in need of some extra income or you may have debts that you need to clear. Whatever your reasons we can help.

The benefits of home recovery scheme are:

• You and your family remain in your home and do not have to move
• A discreet and professional service that respects you and your privacy
• Our experienced professionals negotiate with your lenders on your behalf
• You can release equity from your property
• You can clear crippling unsecured debts
• You no longer have to pay a mortgage, rental payments are almost always lower
• You no longer have to pay for building insurance on your home
• Buy out of your mortgage – repossessions stopped
• Mortgage and secured loans are paid off, whilst unsecured debts are put into a DMP
• Rental payments tailored to suit each individual clients’ budget
• Cash-back and reduced rental payments available (depending on the LTV available)
• Option to buy back the property after 2 years
• Guaranteed buy-back prices available

Which client's does it suit the best?

• Clients with mortgage arrears or facing repossession
• Clients coming to the end of a fixed rate and can’t re finance
• Clients who are retired or on benefits
• Clients with poor credit, unable to source re-mortgage / secured loan products for the purpose of consolidation
• Clients on unrealistic self-cert mortgages
• Clients in Debt Management or IVA’s

Basic pre-qualification criteria:

• Loan To Value of property less than 70%
• Unlimited arrears / CCJs
• No income or employment required
• No age restrictions

You can be assured that our partners "D B Housing Solutions" are regulated by the FSA and that treating customers fairly is central to the delivery of their services we offer. Being regulated by the Financial Services Authority and, in the event that you have a complaint about them which cannot be resolved between you, you may refer your complaint to the Financial Ombudsman Service.   With these things in mind, and understanding your requirement for sensible and effective financial assistance, DB Housing Solutions aims to provide a fair, comprehensive, clearly explained and supportive service, within a suitable timeframe and tailored to meet your specific financial and housing needs.

Contact us today: 0131 346 0670 or email us for more information: info@bluecygnet.co.uk

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