Your Bad Credit
Mortgage Broker.
Got bad credit? Need a mortgage? We can help, simply click below to get started.
We love helping our clients secure mortgages!
Whether you have CCJ’s, Defaults, Arrears, or an ex-bankrupt, or just have a low credit score, we will search the whole of the market to ensure you get the very best mortgage for your circumstances.
Our vision
We provide expert mortgage advice unique to you, delivered by a fully-qualified FCA regulated advisor to ensure you only receive the best advice.
Our mission
We will do everything we can to help you secure a mortgage even when other brokers have not been able to help you.
Circumstances we can help with.
We understand the difficulties that life can bring, we are here to help not judge!
01
County Court Judgements
Any CCJ’s in the last 6 years will typically mean a high street lender is likely to decline your application, however, we have several lenders who will consider applicants with CCJ’s.
Defaults
Like CCJ’s and Defaults in the last 6 years is likely to rule out any high street lenders but there are lenders who are open to accepting applications with Defaults.
Arrears / Missed Payments
Both secured and unsecured arrears will effect your credit score for up to 6 years. The good news is there are many mortgage lenders who will allow missed payments even within the last 12 month.
Low / Poor Credit Scores
We have lenders who don’t lend based on a simple credit score, we have mortgage options for people with poor credit history that is assessed on individual criteria and circumstances.
Debt Management Plans
Being in a DMP doesn’t mean you cant get a mortgage, as long as the DMP has been conducted well and in place for over 12 months we may have lenders available.
IVA / Bankruptcy
Both and IVA or Bankruptcy can make getting a mortgage extremely difficult. Providing the IVA is satisfied or Bankruptcy is discharged option might be available.
A few good reasons, Why should you work with us?
- 5 Star Rated
- Over 20 years Experience
- FCA Authorised
- Adverse Credit Specialist
- Easy Online Application
We carefully review every application to ensure we provide you with the right advice. Whether you have credit issues in the past, recently changed jobs, self-employed, contracting, etc. we want to help you secure the mortgage you need today.
- Expert Advice
- Bad Credit Specialist
- Fast Accurate Decisions
- Easy online Application
- FCA Authorised
- Whole of Market
Get a decision in a little as 24 hours. Apply online today to receive a decision fast.
- Expert Advice
- Bad Credit Specialist
- Fast Accurate Decisions
- Easy online Application
- FCA Authorised
- Whole of Market
We want to me getting a mortgage as simple as possible, no more waiting for an appointment, simply apply online to get started today.
- Expert Advice
- Bad Credit Specialist
- Fast Accurate Decisions
- Easy online Application
- FCA Authorised
- Whole of Market
Ready to speak with
an expert?
What do you want to do?
Lenders
Together we are achieving great things
Lenders we work with
The most common questions asked by customers
HOW MUCH CAN I BORROW?
The amount you can borrow can vary from lender to lender. Once you have applied with us, we will work out how much you can afford to borrow and make a full recommendation and work to your monthly budget.
I have adverse credit, can is still get a mortgage?
Yes, it can still be possible to get a mortgage when you have adverse credit, we have access to many specialist lenders who will consider many types of credit issues.
I HAVE ALEADY HAD A MORTGAGE APPLICAION DECLINED, CAN I STILL APPLY?
Yes, you can still apply for a mortgage with us, even if another mortgage broker / lender has already declined your application. Each mortgage lenders had different criteria and we are experts in helping people with credit issues. We have helped lots of people who have been told getting a mortgage isn’t possible.
HOW DO I APPLY?
To apply simply click GET STARTED and answer a few simple questions.
HOW DO I CHECK MY CREDIT REPORT?
It is very important to check your credit report before applying for a mortgage, especially if you have had credit issues in the past. For your credit report we recommend you use checkmyfile.com to get your 3 credit reports in one place.
WHAT DO I DO IF NORMAL HIGH STREET LENDERS WON'T ACCEPT ME?
We can still help, even if you have had an application declined by a high street lender we could still have options available.
HOW SOON WOULD I GET A DECISION?
We aim to get back to you as soon as possible with an accurate decision, typically within 24hours.
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