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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Choose the option that best fits your situation.
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A whole-of-market broker covers the full UK lender market rather than being tied to a panel. For Manchester clients that means we can match your specific situation to the lender whose published and unpublished criteria actually fit you, rather than steering you to whichever lender on a narrow panel is closest. Our specialism is adverse credit and complex cases, where lender selection matters most.
Manchester has one of the strongest specialist lender markets in the North West. We help Greater Manchester borrowers across the city, from Chorlton and Didsbury to the wider Trafford, Salford and Bury areas. We work with Manchester mortgage clients across the full range of situations. First-time buyers with clean credit who want the best rate. Movers wanting to port, raise capital or extend their borrowing. Remortgagors facing end-of-fix. And a large volume of adverse credit cases where the high street has already declined.
Our approach with Manchester clients is straightforward. Honest assessment of your position, including when the timing is not yet right. Clear advice on what is and is not possible. No pressure to apply before you are ready, and no commission-chasing recommendations.
Free, no-obligation chat about your situation. No mark on your file.
We assess your file, income, deposit and property plans in full.
We target the lenders whose criteria fit your case first time.
We package, submit and manage the application through to completion.
Our firm specialises in the mortgage cases most brokers avoid: adverse credit, self-employed with limited accounts, complex income, non-standard construction, and anything requiring specialist lender access.
Advisors are qualified, named and accountable. We tell clients when timing is right and when it is not, which is why our reputation holds across thousands of placed cases.
Yes. First-time buyer cases are a regular part of what we do, including those with small deposits, limited credit history, gifted deposits or help-to-buy funds.
Yes. My Mortgage Specialist Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference 1002905, an Appointed Representative of TMG Direct Limited (FRN 786245).
In many cases, yes. Being declined by one lender does not mean a mortgage is impossible, it usually means the wrong lender was approached first. Specialist lenders have different criteria to the high street.
No upfront advice fees on most mortgage cases. We are usually paid by the lender via a procuration fee once your mortgage completes. Any case where a client fee would apply is agreed with you in writing before any work starts.
A bank advisor can only recommend their own lender’s products. A whole-of-market broker compares across every lender, which usually means a better rate for clean credit cases and a working option for specialist cases where the bank would decline.
A whole-of-market broker can access the full UK lender market rather than being tied to a limited panel. For specialist cases this is the single biggest factor in getting an acceptance, because the right lender match is everything.
Yes. Clients beyond mainstream retirement-age limits, including interest-only in retirement and equity release-adjacent cases, can be placed with specialist lenders.
Look for a whole-of-market, FCA-regulated broker with experience in your specific situation. We cover the full UK lender market and specialise in adverse credit and complex cases, alongside straightforward purchases and remortgages.
A conversation is the fastest route to a clear answer. Free, no obligation, and nothing 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.
