Adverse Credit Mortgages in Liverpool
Specialist help for Liverpool buyers and homeowners whose credit history has a few bumps in it. Whole-of-market advice from a regulated broker.
- Access to the whole market, including specialist adverse credit lenders
- Free, no-obligation initial chat about your situation
- An enquiry here leaves no mark on your credit file
When your credit history has a few dents in it, the hardest part is often just knowing where to start. In Liverpool, as anywhere, the answer is rarely your own bank, whose lending criteria are built for clean files and little else. The specialist market is where adverse credit cases belong.
We are based in Nottingham and work with clients across Liverpool, almost always by phone and video. The quality of advice does not depend on your postcode.
Knowing the market is everything here. Lenders treat the same CCJ or default in completely different ways, and a broker who tracks that can save you from rejections that would set you back further.
Everything starts with a free chat about your situation. No pressure, no jargon, and no mark on your credit file just for asking.
The factors that decide an adverse credit mortgage
No two credit files are the same, and specialist lenders price each case on its detail rather than a blanket rule. Four things tend to shape the outcome more than the rest.
Severity of the issue
A missed phone payment and a repossession sit at opposite ends of the scale. Lenders rank adverse events by seriousness, and where yours falls largely sets the field of lenders open to you.
Age of the issue
Most lenders care far more about when something happened than that it happened at all. As an event passes the one, two and three year marks, more lenders come into play.
Settled or outstanding
Clearing a debt and having that satisfaction recorded is one of the most powerful things you can do. A satisfied mark signals a problem dealt with, not a problem ongoing.
The wider picture
Income stability, deposit size and recent credit behaviour all feed into the decision. A strong overall position can outweigh a historic blemish.
We help Liverpool clients in situations like these
The four steps to your mortgage
Talk to us
Reach out by phone or form for a relaxed, no-cost conversation about your situation. Nothing is committed at this stage.
We assess the detail
We examine your credit file and finances closely, building a clear picture of where you stand and what is realistic.
We search the market
As a whole-of-market broker we compare specialist lenders and products, then explain the options and costs clearly.
We see it through
We submit and manage your application end to end, dealing with the lender directly and keeping you informed throughout.
A regulated broker who does this every day
Adverse credit lending is not a sideline for us, it is a core part of what we do. We have helped thousands of clients secure mortgages across the full range of credit situations, from a single missed payment to bankruptcy discharge.
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.
Adverse credit situations we cover
Bad credit mortgages
Our core service for any kind of adverse credit history. Start here if you are not sure which applies to you.
Mortgage with a CCJ
How a County Court Judgment affects your application, and which lenders will still consider you.
Mortgage with an IVA
Options during and after an Individual Voluntary Arrangement.
Mortgage with a default
Why the type, age and status of a default matters more than its existence.
Mortgage after bankruptcy
Routes back to home ownership once you have been discharged.
Self-employed with bad credit
Combining variable income with an imperfect credit file.
Adverse credit mortgages in Liverpool: your questions
Where is your office, and do I need to visit?
Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW. You do not need to visit us. We help Liverpool clients by phone and video, which is how most adverse credit advice is handled, so you get the same level of service wherever you are.
What counts as bad credit?
Missed or late payments, defaults, county court judgments, an IVA, a debt management plan, bankruptcy or repossession all count. Even a thin credit file with little history can make high street lenders cautious.
Can I get a mortgage with several different credit issues?
Possibly, though the more issues you have the more specialist the lender needs to be. We assess the full picture and target the lenders most likely to consider a layered history.
Can a broker really get me a better outcome than going direct?
A specialist broker knows which lenders look favourably on which kinds of adverse credit, so your application goes to the right place first time. Going direct often means repeated hard searches and rejections, each of which can further dent your score.
Do you charge for advice?
The initial advice and assessment of your situation is free with no obligation. If you decide to proceed, we will explain any fees clearly and in writing before you commit to anything.
Talk to us
Ready to see what is possible?
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 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. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted 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.