SPECIALIST ADVERSE CREDIT MORTGAGE ADVICE
Worried your credit history could affect your mortgage? Our specialist advisers can help you understand your options.
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A bad credit history does not automatically block a mortgage. Specialist lenders consider applicants that the high street would decline, and matching the right lender to your circumstances first time makes the difference between an offer and a decline. What may be possible depends on the type and severity of your adverse credit, how recent it is, your deposit, your income and how you have handled credit since. This page is our main adverse credit hub. Below you will find the situations we cover and the links to the specific credit types we specialise in.
Bad credit mortgages are our core service. Cases involving CCJs, defaults, IVAs, missed payments, debt management plans, bankruptcy discharge and repossession backgrounds are what we spend most of our time on.
Being turned down by a high street lender is not the same as being turned down by every lender. The high street works from tight credit scorecards. Specialist lenders work from criteria that focus on the detail of your adverse credit and the picture around it. We know which lenders take which view, and matching your case to the right one gives you the best chance of an offer.
We talk through your situation and goals. No obligation, no credit mark.
We assess the specifics and everything else lenders will want to know.
We target the specialist lenders whose criteria fit your case.
We package the case, submit it and guide you through to offer.
Adverse credit mortgages are not a sideline for us. Cases involving CCJs, defaults, IVAs, DMPs and bankruptcy discharges are a core part of what we do, and we have helped thousands of clients through them.
You will work with qualified, named advisors who explain things honestly, including when the timing is not yet right. We would rather give you a straight answer than send you towards a rejection.
In many cases, yes. Specialist lenders regularly consider applicants that the high street would decline. What may be possible depends on the type of adverse credit, how recent it is, your deposit, income and wider circumstances. Acceptance can never be guaranteed but a broker-led match gives you the best chance.
There is no fixed threshold. Some fairly small blips (a single missed payment, a low-value satisfied CCJ from years back) can still go through with mainstream lenders. Larger, more recent or more numerous issues almost always need specialist lenders. We can tell you which side of the line you sit on in an initial chat.
Specialist lenders price for additional risk, so rates typically sit a little higher than mainstream products. The gap narrows as your adverse credit ages and your recent conduct stays clean. Many clients remortgage 2 to 3 years later onto better rates.
5% and 10% deposits can work in some situations. Deposits of 15% or more open significantly more lender options and usually better rates. Larger deposits carry more weight the more recent or severe the adverse credit.
Yes. We help clients with CCJs, defaults, IVAs, DMPs, missed payments, bankruptcy discharge, repossession backgrounds and combinations of the above. If you have been declined at the high street, it is worth a conversation to see where you stand with the specialist market.
Yes, first-time buyers with adverse credit are a regular part of what we do. Some lenders even have specific specialist products for this group. A larger deposit helps but is not always required.
No. An initial conversation and a look at your situation is a soft enquiry and leaves no mark on your credit file. A hard search only happens later, with your permission, when you formally apply to a specific lender.
Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW. You do not need to visit. We help bad credit mortgage clients right across the UK by phone, email and video.
A short, free conversation is the quickest way to find out where you stand. No pressure, no jargon, and no mark on your credit file.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
My Mortgage Specialist Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1002905, an Appointed Representative of TMG Direct Limited (FRN 786245) which is authorised and regulated by the Financial Conduct Authority. The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Some types of buy to let mortgages are not regulated by the Financial Conduct Authority. As a mortgage is secured against your property, it could be repossessed if you do not keep up the mortgage repayments.
