Adverse credit
We specialise in helping individuals with complex financial histories find the right mortgage solutions.
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Helping you secure a mortgage
Having a less-than-perfect credit history doesn’t mean you can’t get a mortgage. Whether you’ve had CCJs, defaults, missed payments, or a low credit score, we specialise in helping individuals with adverse credit find the right mortgage solutions.
We work with a wide range of lenders, including those who consider applications from people with complex financial histories, to give you the best chance of securing a mortgage. Our team provides expert guidance, tailored advice, and a smooth application process to help you to progress to homeownership with confidence. No matter your circumstances, we’re here to help you find a mortgage that works for you.
Get mortgages, get a better living
Can I get a mortgage if I have bad credit?
Yes! Many lenders will consider applicants with adverse credit, especially if your financial situation has improved. Factors such as a stable income, a larger deposit, and a lower debt-to-income ratio can increase your chances of approval. We work with a wide range of lenders, including specialist providers who assess applications on a case-by-case basis rather than just relying on credit scores.
Every mortgage application is unique, and we take the time to match you with the right lender who understands your circumstances and is willing to offer you a fair deal. Even if you’ve been declined by a high street bank, there are still alternative lending options available that could suit your situation. Our goal is to provide clear, practical guidance to help you rebuild your financial profile and secure a mortgage that supports your long-term stability.
How we help you secure a mortgage
Assessing Your Situation – We review your credit history and financial circumstances to understand your options.
Exploring Lender Options – With access to a broad range of lenders, we find those most likely to approve your application.
Providing Tailored Advice – We guide you through improving your application, such as increasing your deposit or consolidating debts.
Handling the Application Process – We manage the paperwork and negotiations, ensuring a smooth and stress-free experience.
Ongoing Support – Even after securing your mortgage, we offer advice on managing your finances and improving your credit score for future opportunities.
Accreditations
How It Works
Let us help you remortgage today
Step 1
Initial Consultation
Our initial consultation is a free, no-obligation meeting where we take the time to understand your needs and financial situation, providing advice on the best mortgage or insurance options available to you.
Step 2
Document Collection
Our document collection process ensures that we gather all the necessary paperwork efficiently, helping to streamline your application and provide a smooth and timely approval process.
Step 3
Evaluation and Approval
During the evaluation and approval process, we carefully review your application and documents, working with lenders to secure the best possible offer and ensure a smooth path to final approval.
Step 4
Disbursement Process
This involves the transfer of funds once your mortgage is approved, ensuring that the agreed amount is paid directly to the appropriate parties, such as the seller, lender to complete the transaction.
Improving your chances of mortgage approval
If you have adverse credit, there are steps you can take to improve your mortgage eligibility. Ensuring all bills and existing credit commitments are paid on time, reducing outstanding debts, and saving for a larger deposit can all work in your favour. We provide expert advice on how to strengthen your financial profile before applying for a mortgage.
Make an Appointment
Leave us a message and one of our team will be happy to help.
Accreditations
