FAIR CREDIT SCORE MORTGAGES
Have a fair credit rating?
We specialise in fair 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 A FAIR CREDIT SCORE?
Whether you have a few minor blips from the past or simply haven't used much credit in recent years, securing the best mortgage rates isn’t always straightforward.
Many big banks rely on "pass or fail" automated scoring. If your score is only "fair," you might find yourself unfairly declined by one lender, even though your overall financial health is strong.
Common reasons people have a fair credit score:
Limited recent interaction with credit
Occasional minor late payments
Not being on the electoral roll
High utilization of available credit limits
WHICH LENDERS CAN WE HELP YOU WITH?
A fair credit score doesn't mean you are restricted to high-rate specialist lenders. In many cases, you can still fit the criteria of a household high-street name. We help by finding lenders who:
Perform a credit search, not a credit score
Review your credit profile as a whole
Accept minor historic credit blips
Manual underwriting by human decision-makers
High-street lenders with flexible criteria
Specialist "near-prime" mortgage providers
Lenders who ignore thin credit files
Common-sense assessment of affordability
THERE ARE BETTER OPTIONS
A fair score is often misunderstood as "bad credit," but it frequently just means you haven't played the "credit scoring game" perfectly.
Instead of letting a computer say no, we work with lenders who disregard the arbitrary score and focus on your actual profile. Because we have deep relationships across the market, we know which high-street names are more flexible and which specialist lenders will offer you competitive rates based on your real-world situation.
FAIR CREDIT MORTGAGE SPECIALISTS
We’re independent mortgage advisers who help clients with fair credit scores secure the right deal every day.
Access to high-street & specialist lenders
Human-led lending decisions
A realistic plan to get you moved
CHOOSE HOW YOU
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WHY THE BANKS SAY “NO”
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Banks may undervalue your property or take a cautious view on available equity, limiting how much you can release.
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Even when current payments are manageable, lenders apply strict stress tests that can restrict borrowing for improvements.
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Some lenders are less flexible about borrowing for home improvements and apply tighter criteria than necessary.
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
