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.
“Solutions where others gave up”
Our customers find us when their situation isn’t straightforward, and we provide solutions where others gave up.
See how we’ve helped those who were previously told no - find out if we can help you too.
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Straightforward, no jargon advice
Support at every stage
Questions encouraged
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Including weekends & bank holidays!
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 right mortgage rate 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 a deep understanding of lenders, 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 impartial 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
READY TO GET STARTED?
MAKE AN ENQUIRY
Takes 30 seconds
Basic information
Reply within 24 hours
WHY THE BANKS SAY “NO”
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Even with decent credit, banks test your ability to pay at much higher interest rates, which can restrict your borrowing.
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Frequent job changes or being in a probationary period can lead a bank to view your future income as insecure.
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Lenders may say no if their surveyor values the house lower than your purchase price, creating an unacceptable loan-to-value 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
