Mortgage Solutions for Clients With Adverse Credit.
Having a poor or adverse credit history does not necessarily mean you cannot obtain a mortgage or remortgage. We provide professional, confidential and personalised advice, taking time to understand your circumstances without judgement and searching a wide range of UK lenders, including specialist lenders.
How We Can Help
- Listening to your circumstances without judgement.
- Reviewing your income, affordability and credit history.
- Explaining the mortgage options that may be available.
- Searching a wide range of UK lenders including specialist lenders.
- Explaining lender criteria in clear, straightforward language.
- Managing your application from start to finish.
- Providing regular updates and support throughout.
Every lender assesses applications differently. Specialist lenders often consider cases that fall outside the criteria of mainstream lenders, so it doesn't necessarily mean all options have been exhausted.
What Is Adverse Credit?
Missed Payments
Missed mortgage payments, or missed loan or credit card payments.
Formal Arrangements
Defaults, County Court Judgments (CCJs), Debt Management Plans (DMPs) or Individual Voluntary Arrangements (IVAs).
Serious Credit Events
Bankruptcy or repossessions, subject to lender criteria.
Other Factors
Payday loan history or a low credit score.
Remortgaging With Adverse Credit
If you already own your home, you may be looking to remortgage because:
Your Deal Is Ending
Your current mortgage deal is ending and you want to explore your next steps.
A New Mortgage Product
You want to secure a new mortgage product suited to your circumstances.
Raise Funds
You wish to raise funds for home improvements.
Consolidate Borrowing
You are looking to consolidate existing borrowing, where appropriate.
Improved Circumstances
Your financial circumstances have improved since you originally obtained your mortgage.
Why Choose Us?
Whole of Market
We search a wide range of UK mortgage lenders rather than recommending the same solution to every client.
Personal & Friendly
Advice tailored to your individual circumstances, with clear communication and no unnecessary jargon.
Support Throughout
From your initial enquiry through to completion, and ongoing assistance afterwards.
Every Situation Is Different
Mortgage lenders consider many factors, including:
Your Credit History
The type of adverse credit, how long ago it occurred, and whether the issue has been resolved.
Your Financial Position
Your current income and employment status.
Your Affordability
The size of your deposit or available equity, and your overall affordability.
By taking the time to understand your circumstances, we can recommend a mortgage solution that is appropriate for your needs.
Protecting Your New Mortgage
Once your mortgage is in place, it is important to consider protecting your home and your family. We can also advise you on:
Our Service Includes
- Searching a wide range of UK lenders.
- Identifying lenders whose criteria may suit your circumstances.
- Explaining the mortgage process in straightforward language.
- Managing your application from start to finish.
- Working closely with housing associations, solicitors and lenders to help keep your purchase progressing smoothly.