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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What we do for Derby mortgage clients: assess your situation across income, deposit, credit file, property and plans; identify the lenders whose criteria fit; recommend the strongest fit; package the case to maximise acceptance chances; and handle the application through to offer. For straightforward cases this saves time; for complex ones it is the difference between acceptance and decline.
Derby sits on our doorstep and is one of the markets we know best. We help Derby borrowers across the city and surrounding Derbyshire villages. Derby clients come to us for different reasons. Some want someone who can navigate the hundreds of mortgage products on the market. Others have been declined by their bank and want to understand whether a mortgage is still possible. Our whole-of-market reach and specialist focus mean we handle both types of case equally.
Our approach with Derby 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.
A short, free chat about your situation. Soft enquiry only, no credit file mark.
We look at the detail: income, deposit, credit file, property, timing.
We identify which specialist lenders fit your specific picture.
We package the case, submit, and keep you updated through to offer.
Specialist mortgage cases are our main work. CCJs, defaults, DMPs, IVAs, bankruptcy discharges, non-standard income, complex employment, non-standard construction. The cases high street lenders decline are the cases we see every week.
Clients get qualified, named advisors and honest advice on where they stand. That includes telling you when the right call is to wait, which is a conversation we have regularly.
Typical timescales are six to twelve weeks from application to offer. Specialist cases can be slower depending on the lender and valuation.
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. We cover first BTL purchases through to portfolio landlords, including limited company BTL and HMOs.
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 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.
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.
Yes, this is a core specialism. Cases involving CCJs, defaults, DMPs, IVAs or bankruptcy are a large part of our weekly caseload.
We will usually know in advance which lender fits your case, which minimises decline risk. If a decline does happen, we review the reason and move the case to another lender, without a repeat hard search where possible.
A free initial chat gets you a clear view of what’s actually possible. Soft search only, no obligation, no commitment.
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.
