Need a mortgage but have adverse credit?
Send your case to us before applying again.
- ✓Support for CCJs, past IVAs, defaults, missed payments and poor credit
- ✓Adviser-led review for complex mortgage cases
- ✓For buyers, movers and remortgage clients across the UK
145+ Reviews
Rated by customers on Google
Send your case to an adviser
Answer one quick question to start your mortgage review.
What best describes your situation?
Start with where you are now
What is happening with your mortgage?
Choose the situation that sounds closest to yours. This helps the team review your case properly.
Found a property or offer accepted?
Send your case before applying.
Declined by a lender?
Speak to a specialist before trying another application.
Need a mortgage soon?
Adverse credit cases need careful placement.
Need to remortgage?
Credit problems since your last mortgage need proper advice.
Choose your case type
What credit issue is affecting your mortgage?
Select the issue that applies to your case. You can still choose more than one in the form.
CCJ
A CCJ can affect your application, but it does not automatically mean every lender will say no.
Past IVA
Mortgage applications after an IVA need careful placement.
Defaults
The date, amount and recent credit conduct can all matter.
Missed payments
Recent and historic missed payments may be viewed differently.
Debt Management Plan
Affordability and recent conduct are important.
Poor credit score
Your score is not the only thing a lender may look at.
Send the right case
Specialist advice for adverse credit mortgage cases
Keep the next step simple. Send your case and speak to an adviser before making another application.
Found a property but have adverse credit?
If you have found a property, this is not the time to guess your next step.
A CCJ, IVA, default, missed payment or poor credit score can affect which lenders may consider your case.
Send your case if:
- ✓You have found a property or had an offer accepted
- ✓You have deposit or equity available
- ✓You need advice before approaching a lender
Mortgage declined by your bank?
Do not assume every lender will say no.
High street lenders often have strict criteria, especially where there has been adverse credit. Before applying again, speak to a specialist mortgage adviser.
The next application matters.
- ✓Get advice before trying another lender
- ✓Send the details of the decline
- ✓Let an adviser review the case properly
Have a CCJ and need a mortgage?
A CCJ can affect your mortgage application, but it does not automatically rule you out.
The date, amount, whether it has been satisfied, your deposit, income and affordability all matter.
An adviser will need to look at:
- ✓When the CCJ was registered
- ✓Whether it has been satisfied
- ✓Your deposit, income and affordability
Had an IVA and ready to buy?
Mortgage applications following an IVA need careful placement.
When an IVA ended, your deposit, income and affordability may all affect the mortgage advice you receive.
Send your case if:
- ✓Your IVA has completed
- ✓You are ready to buy or remortgage
- ✓You want advice before approaching another lender
Defaults or missed payments affecting your mortgage?
Lenders may look at when the issue happened, how serious it was, whether your finances have improved and what deposit you have.
Do not make another application blindly.
The details matter:
- ✓How recent the issue is
- ✓The amount and current status
- ✓Your deposit, income and affordability
Your next steps
What happens after you send your case?
Three simple steps. No guessing. No blind applications.
Complete the short case form
Tell us where you are in the mortgage process and what credit issue is affecting you.
→An adviser reviews your details
Your credit history, deposit, income and affordability are considered.
→Speak to a specialist adviser
They explain the next step based on your circumstances.
Why speak to My Mortgage Specialist?
Specialist mortgage advice for complex credit cases
- ✓FCA-regulated mortgage advice
- ✓Adverse credit mortgage specialists
- ✓Based in Nottingham, supporting clients across the UK
- ✓Adviser-led support, not a generic comparison form
- ✓Support for CCJs, past IVAs, defaults, missed payments and complex cases
5.0 rating from 145+ Google reviews
Speak to a team that deals with adverse credit and complex mortgage cases every day.
Do not make another mortgage application blindly.
If you need a mortgage and have adverse credit, send your case to us before applying again.
Send your case to an adviser
My Mortgage Specialist Ltd is registered with the Data Protection Act 1998 registration No. ZB679050 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1002905, an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 786245 and registered with the Data Protection Act 1998 registration No. ZA178200. Think carefully before securing debts against your home. Your home may be reposessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targerted at consumers based in the UK.
My Mortgage Specialist Ltd. Registered Office: 11a Park Lane Business Centre, Park Lane, Nottingham, NG6 0DW. Registered in England Number: 14430556.
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.