Adverse Credit Mortgages Made Possible
Even with CCJs, defaults, or missed payments – we’ll find a lender who says YES.
Get a decision in principle within 24 hours – we work with ALL the lenders.
- FREE Quote & Advice
- Specialist UK-wide Broker
- We work with ALL Lenders
- FCA Authorised & Regulated
- Dedicated Advisor & Case Manager
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Struggling to Get a Mortgage Because of Your Credit History?
You’re not alone. Many good people are turned down every day because of past financial issues – but that doesn’t mean you can’t buy or remortgage your home.
We specialise in adverse credit mortgages – helping clients with:
- Missed payments, defaults or CCJs
- Mortgage or rent arrears
- IVAs, DMPs or even discharged bankruptcies
- Low or inconsistent credit scores
Whatever your story, we’ll match you with specialist lenders who look beyond the numbers and focus on your current situation – not just your past.
What Is an Adverse Credit Mortgage?
An adverse credit (or bad credit) mortgage is designed for people who’ve had financial difficulties that make high-street banks nervous.
These mortgages are offered by specialist lenders who take a more flexible, realistic approach – assessing you as a person, not just a score.
They’re ideal if you:
- Have been declined elsewhere due to poor credit
- Want to buy your first home after rebuilding your finances
- Need to remortgage but have had arrears or defaults
- Are self-employed with patchy income records
Our job is to find you the right deal and guide you step-by-step through approval — so you can move forward with confidence.
Why So Many Clients Choose Us
- Whole-of-market access We work with 400+ UK lenders – including those who specialise in bad credit cases.
- Fast & personal service No call centres. Just real advisers who understand the stress of being turned down and know how to package your case for success.
- Honest guidance If there’s a better time or smarter way to apply, we’ll tell you. No jargon, no false promises – just clear advice that helps.
- Success where others fail We’ve helped thousands of clients get approved – even after multiple rejections.
How It Works
We’ve made the process simple, discreet, and supportive.
- Complete our short enquiry form – takes 30 seconds to complete.
- Tell us your situation – quick phone call with an Advisor, no impact on credit score.
- We search the whole market – comparing specialist lenders for your credit profile.
- Get a decision in 24 hours – clear options, transparent terms.
- Sit back and let us do the rest – we’ll submit the application and take care of everything.
We Can Help You If You Have:
- County Court Judgments (CCJs)
- Defaults or missed payments
- Mortgage or rent arrears
- Debt Management Plan (DMP)
- Individual Voluntary Arrangement (IVA)
- Bankruptcy (discharged)
- Low or limited credit history
- Self-employed income challenges
We tailor solutions to your situation – whether you’re buying your first home, refinancing, or investing in property.
Why Clients Trust Us
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Don’t Let Past Credit Hold You Back
Homeownership is still possible – even if the banks have said “no.” Let’s show you what is possible today.