Adverse Credit Mortgages

Mortgages for adverse credit

Life doesn't always go to plan. Whether you've experienced financial difficulties due to job loss, illness, divorce, or other circumstances, we understand that a poor credit history doesn't define your future. See what our clients say in our client reviews.

Our specialist advisers have extensive experience helping people with all types of credit issues secure mortgages. We know which lenders are most sympathetic to your situation and how to present your application in the best possible light. If you're self-employed with credit issues, we have particular expertise in that area too.

Types of adverse credit we help with

• CCJs (County Court Judgements) — satisfied and unsatisfied
• Defaults — missed payment markers on your credit file
• Late payments — even minor arrears on credit agreements
• IVAs — Individual Voluntary Arrangements, current or completed
• Debt management plans — current or historical
• Bankruptcy — discharged bankruptcy
• Repossessions — previous property repossession
• Low credit score — thin credit file or no credit history

How we help

As a whole-of-market broker, we have access to specialist lenders that you won't find on the high street. We'll review your credit file, understand your circumstances, and match you with the most suitable lender. Our aim is to get you the best possible rate for your situation, and as your credit improves, help you remortgage to even better deals. Use our affordability calculator to get an initial idea of your borrowing power.