Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW. You do not need to visit us. We help Sheffield clients by phone and video, which is how most adverse credit advice is handled, so you get the same level of service wherever you are.

Usually, yes. A satisfied default shows lenders you resolved the issue, which reassures them and widens your choice of lender, often improving the rate too. That said, some lenders will consider an unsatisfied default as well, typically with a larger deposit. We will advise whether clearing it first is worthwhile in your specific case.

Usually a little higher than a borrower with a clean file, because specialist lenders price for the added risk. The gap shrinks as your issues age and your credit recovers, and remortgaging onto a better rate later is often possible.

A specialist broker knows which lenders look favourably on which kinds of adverse credit, so your application goes to the right place first time. Going direct often means repeated hard searches and rejections, each of which can further dent your score.

For many people, yes. The high street often declines automatically, but specialist lenders consider applicants with defaults regularly. How they view it depends on the type of account, whether the default is satisfied, how old it is and how much was owed. A satisfied or ageing default opens far more options than people expect, and we can tell you where yours leaves you.