BAD CREDIT MORTGAGE LENDERS
Worried about your credit history?
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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NEED A MORTGAGE FROM A SPECIALIST LENDER?
Whether you have faced a difficult financial period or have marks on your credit file from years ago, securing a mortgage from a high-street bank isn’t always straightforward.
Traditional banks rely on automated systems that instantly decline low scores, and the wrong application can leave you feeling like a mortgage is out of reach.
Common reasons people struggle with mainstream lenders:
Low automated credit scores
Active or past Debt Management Plans (DMP)
Historical or recent IVAs
Defaults on secured or unsecured credit
WHICH SPECIALIST LENDERS CAN WE ACCESS?
We have access to dozens of lenders who specialise exclusively in bad credit. They don't just look at a number; they look at you. We can help find lenders who accept:
Debt Management Plans (DMPs)
Individual Voluntary Arrangements (IVAs)
Satisfied or active defaults
County Court Judgments (CCJs)
Missed mortgage or credit payments
Payday loan history
Previous repossessions
Bankruptcy discharges
THERE ARE BETTER OPTIONS
A "computer says no" response from a high-street bank doesn't have to be the end of the road. There are lenders who perform manual underwriting, where a human being assesses your application.
Because we work with these specialist providers day in, day out, we know how to present your "story." If there is a valid reason behind your credit issues, our relationships allow us to get cases assessed quickly—and sometimes even get a "no" overturned by explaining the context to a human underwriter.
SPECIALIST BAD CREDIT ADVISERS
We’re independent mortgage advisers who understand the specialist lender market better than anyone.
Access to dozens of specialist lenders
Direct lines to human decision-makers
A realistic plan to secure your mortgage
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WHY THE BANKS SAY “NO”
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Specialist lenders may decline if you have "layered" risks, such as a low deposit combined with a very recent default.
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Because bad credit rates are higher, you must prove a much higher surplus income to cover the increased monthly costs.
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These lenders often avoid "non-standard" properties, like high-rise flats or timber frames, to limit their overall exposure to risk.
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
