POOR CREDIT MORTGAGES
Worried about poor credit?
We specialise in poor 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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Guidance you can trust
Straightforward, no jargon advice
Support at every stage
Questions encouraged
WE ARE OPEN
Everyday 8am-8pm
Including weekends & bank holidays!
NEED A MORTGAGE WITH POOR CREDIT?
Whether you have faced financial challenges in the past or are currently managing a low credit rating, securing a mortgage isn’t always straightforward.
Mainstream banks often rely on rigid automated systems, and a "computer says no" response can make you feel like homeownership is impossible. The right advice can change everything.
Common reasons people struggle with poor credit:
Low automated credit scores
Active or past Debt Management Plans
Historical or current IVAs
Defaults on secured or unsecured credit
WHAT POOR CREDIT ISSUES CAN WE HELP WITH?
Lenders often accept a lot more than people believe. We have access to dozens of lenders who specialize in poor credit day in, day out, and can help with:
Debt Management Plans (DMPs)
Individual Voluntary Arrangements (IVAs)
Satisfied or active defaults
County Court Judgments (CCJs)
Missed or late monthly payments
High credit utilization
Payday loan history
Previous repossessions
THERE ARE BETTER OPTIONS
A poor credit score shouldn't be the end of your property journey. Many specialist lenders don't even use traditional credit scoring; instead, they use human decision-makers to assess your case.
By leveraging our relationships with these lenders, we can get your application assessed quickly. If there is a valid story behind your credit history, we can often get a decision overturned by presenting the human context behind the numbers—making the vital difference between a decline and an approval.
POOR CREDIT MORTGAGE SPECIALISTS
We’re impartial mortgage advisers who help clients with poor credit history secure their homes every day.
Access to specialist lenders
Direct human underwriting
A realistic plan to get you moved
READY TO GET STARTED?
MAKE AN ENQUIRY
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Basic information
Reply within 24 hours
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
