A mortgage or loan varies according to:
The amount borrowed;
The interest rate;
The type of rate (fixed or variable);
The term (length in years) of the loan;
Discount rate for X number of years;
Deposit (downpayment);
Associated fees (broker, origination, prepayment etc.);
Local or national taxes;
Insurance required by the lender.
Your best way to find a sub-prime lender is to search on the internet. The internet allows you to find and compare multiple lenders so you can get the best rate. Don’t get too caught up in comparing APRs and various special offers; what’s on the site may not reflect what _you_ will get if you apply. Everything depends on your financial circumstances.
How is your credit rating?
What is your credit _score_ (the in-house lender’s rating of you)?
Do you have a bank account, and for how long?
How long have you been in your current job?
How much do you earn per year?
What outstanding debts do you have?
What are your monthly outgoings?
Do you have enough money for a fat deposit?
This latter criterion is crucial. If you can...
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