CAN I GET A BAD CREDIT MORTGAGE?
Worried 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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NEED A MORTGAGE WITH BAD CREDIT?
Whether you have faced financial hurdles in the past or are currently managing credit issues, securing a mortgage is still a very real possibility.
Many people believe they need a perfect credit score to buy a home, but this isn't true. Banks can be cautious, but the right specialist advice can open doors that high-street lenders often close.
Common reasons people think they can't get a mortgage:
Low credit scores on popular apps
Previous defaults or CCJs
Existing Debt Management Plans
History of late payments
HOW WE HELP YOU SECURE A MORTGAGE
We have access to specialist lenders and exclusive criteria designed for people in your exact situation. Our lenders take a "human" approach to your application, including:
Manual underwriting (no "computer says no")
Lenders who ignore older defaults
Solutions for recent credit blips
Support for discharged bankrupts
Options for those with active IVAs
Assessment of your current affordability
Personalised "story" presentation to lenders
Access to non-high-street rates
THERE ARE BETTER OPTIONS
It is a common myth that bad credit marks the end of your home-owning dreams. In reality, there are many lenders who want to lend to people with complex histories.
By focusing on a manual, human-led approach rather than a rigid automated score, we can place you with the best possible lender who understands your background. We simply need to find the specific lender criteria that you fit with to move your application forward.
BAD CREDIT MORTGAGE SPECIALISTS
We’re independent mortgage advisers who help people with credit challenges secure their homes every day.
Access to specialist, exclusive lenders
Clear, honest advice on your options
A realistic plan to get you moved
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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
