Bad Credit Doesn't MeanNo Mortgage
Past credit problems don't have to stop you getting a mortgage. I specialise in helping people with adverse credit history find their way to home ownership.
Life happens. Job loss, divorce, illness - I understand that credit problems often have genuine reasons behind them. Let's focus on moving forward.
Specialist Lenders
Approval Rate
No Broker Fees
Confidential
Common Credit Issues I Deal With
Whatever your credit history, I'll search for lenders whose criteria match your situation.
County Court Judgements and default notices on your credit file.
- Satisfied or unsatisfied
- Age of CCJ matters
- Size of debt considered
Late payments on credit cards, loans, or previous mortgages.
- How recent were they
- How many missed
- Mortgage arrears treated differently
Individual Voluntary Arrangements or bankruptcy in your past.
- Must be discharged
- Usually 1-3 years after discharge
- Deposit requirements vary
Current or past Debt Management Plans (DMPs).
- Active DMPs possible
- Completion helps
- Specialist lenders available
How I Help You Get Approved
Free Credit Review
We discuss your situation confidentially. I need to understand what's on your credit file to find suitable lenders.
Lender Matching
I search specialist lenders whose criteria match your circumstances. Each lender treats different issues differently.
Application Support
I present your application in the best light, explaining any mitigating circumstances to the lender.
Approval & Beyond
Once approved, I'll also advise on improving your credit for better rates when you remortgage in future.
Expert Help When You Need It Most
Specialist Lender Access
I work with lenders who specialise in adverse credit and have criteria you won't find on comparison sites.
No Judgement
Life happens. I'm here to help you move forward, not to judge your past financial difficulties.
Expert Presentation
I know how to present applications with credit issues to give you the best chance of approval.
Plan for the Future
I'll advise on steps to improve your credit score for better rates when you remortgage.
Before You Apply
Check your credit reports first. I recommend checking your reports from all three credit reference agencies (Experian, Equifax, TransUnion) before we speak. This helps us understand exactly what lenders will see.
Avoid multiple applications. Each mortgage application leaves a "footprint" on your credit file. Too many applications in a short period can hurt your chances. That's why using a broker like me is valuable - I know which lenders are likely to accept before we apply.
Be honest about your situation. I need to know everything that's on your credit file to find the right lenders. Anything hidden will come out during the application process.
Bad Credit Mortgage Questions
Let's Talk About Your Options
Book a free, confidential consultation. I'll assess your situation and let you know what's possible - no obligation, no judgement.
Free advice • 100% confidential • FCA regulated