BAD CREDIT MORTGAGES
Concerned about your credit?
We specialise in bad credit mortgages
Your home may be repossessed if you do not keep up repayments on a mortgage.
The Financial Conduct Authority does not regulate some forms of Buy-to-Lets.
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Straightforward, no jargon advice
Support at every stage
Questions encouraged
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NEED A MORTGAGE WITH BAD CREDIT?
Whether you have faced financial hurdles in the past or are dealing with current credit issues, securing a mortgage isn’t always straightforward.
High-street banks use automated scoring that can be unforgiving, and the wrong advice can lead to a "computer says no" result that hurts your chances further.
Common reasons people struggle with credit-based lending:
Low automated credit scores
Missed or late payments
Defaults or CCJs
Previous bankruptcy or IVAs
WHAT CREDIT ISSUES CAN WE HELP WITH?
We work with specialist lenders who take a manual, human approach to underwriting. We can help find solutions for a variety of situations, including:
Historic defaults
Recent missed payments
Satisfied or active CCJs
Debt Management Plans (DMPs)
Low credit scores
Previous repossessions
Discharged bankruptcy
High credit utilization
THERE ARE BETTER OPTIONS
A credit score is just a number; it doesn’t tell your whole story. We believe in a personal approach where we discuss the reasoning behind your situation with the lender.
By using our established relationships, we can present your case to specialist lenders who prioritise human common sense over rigid algorithms, helping you find a manageable way forward.
BAD CREDIT MORTGAGE SPECIALISTS
We’re independent mortgage advisers who help people with complex credit histories find a home every day.
Access to specialist lenders
Clear, honest advice
A personal, non-judgmental plan
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WHY THE BANKS SAY “NO”
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Mainstream banks typically reject anyone with credit defaults or missed payments occurring within the last two to three years.
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Carrying high balances on credit cards suggests financial strain, leading lenders to believe you cannot handle additional monthly mortgage commitments.
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Most high-street lenders use rigid algorithms; if your score is below their internal threshold, the system triggers an automatic "hard" decline.
SPEAK TO AN EXPERT TODAY
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A previous decline doesn’t mean there are no options. It usually means the lender wasn’t right for your situation.
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No. An initial conversation and assessment won’t affect your credit file.
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That depends on your situation, but we focus on clear answers and efficient progress from the start.
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This is not a problem at all. Our role is to explain things clearly, without jargon, so you always know what’s happening.
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We assess your situation, explore suitable lenders, and guide you through the process — helping you avoid common pitfalls along the way.
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We will only supply exactly what the lender asks to avoid delaying the process. We also keep minimum documents needed for our internal compliance.
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That’s our job. We compare this for you and check what lenders are available, so you can make the right choice without having to do it yourself.
GEORGE GRIFFITHS
MANAGING DIRECTOR
