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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We provide whole-of-market mortgage advice to Birmingham clients across first-time buyer purchases, home moves, remortgages and specialist cases. Our particular expertise is in cases where high street lenders say no, bad credit, self-employed income, CCJs, defaults, DMPs, IVAs and complex employment histories. We take the time to understand your situation and match you to the lender whose criteria actually fit.
Birmingham is the largest specialist lender market outside London. We work with West Midlands borrowers across the city, Sutton Coldfield, Edgbaston, Harborne, Kings Heath and the wider conurbation. We work with Birmingham mortgage advice 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.
We are FCA-regulated under Firm Reference 1002905, an Appointed Representative of TMG Direct Limited. Advice is regulated and comes with full consumer protection. On most cases there are no upfront advice fees; we are paid by the lender when your mortgage completes.
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.
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.
A whole-of-market advisor 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.
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.
Yes, including help-to-buy, shared ownership and developer-specific schemes. New builds have their own criteria set which we are familiar with.
Yes. We cover first BTL purchases through to portfolio landlords, including limited company BTL and HMOs.
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).
Usually within 24 hours. An initial 20-30 minute conversation gives us enough to tell you what is likely possible, and we move at your pace from there.
Proof of identity, address, income (payslips, SA302s or accounts), recent bank statements and your credit file. We confirm the specific lender’s requirements once we know which direction fits best.
No. An initial conversation and look at your situation is a soft enquiry and leaves no mark on your file. A hard search only happens when you formally apply to a specific lender.
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.
