LOW CREDIT SCORE MORTGAGES
Concerned about your score?
We specialise in low 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 LOW CREDIT SCORE?
Whether you have had credit issues in the past or simply haven't borrowed enough to build a high rating, securing a mortgage isn’t always straightforward.
Mainstream banks rely on automated algorithms that can decline an application instantly based on a single number, often ignoring the reality of your financial stability.
Common reasons people have a low credit score:
Lack of previous borrowing history
Not being on the electoral roll
A high number of recent credit searches
Historic missed payments or defaults
WHAT LOW SCORE SITUATIONS CAN WE HELP WITH?
A low score does not always mean "bad credit"—it often just means a "thin" credit file. We work with lenders who perform a credit search rather than a credit score, looking at:
Applicants with no credit history
People recently returned from abroad
First-time buyers with no debt
Lenders who ignore the "score" entirely
Manual human underwriting
Profiles with high income but low scores
Recent changes in address
Discrepancies on credit reports
THERE ARE BETTER OPTIONS
A credit score is just one way to measure risk, but many specialist lenders prefer a more common-sense approach.
Instead of a "computer says no" result, these lenders use human decision-makers to look at your profile as a whole. They disregard the arbitrary score and focus on your actual affordability and the reasoning behind your history, which can be the difference between a decline and an approval.
LOW CREDIT SCORE SPECIALISTS
We’re independent mortgage advisers who help clients with limited or low credit scores find a home every day.
Access to non-scoring lenders
Human-led lending decisions
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
