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 Leeds 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.
Leeds borrowers come to us from across West Yorkshire, from Headingley terraces to new builds out towards Garforth and Rothwell. We work with the specialist lenders most active in the Yorkshire market. Choosing a mortgage advisor in Leeds usually comes down to two things: can they access the full lender market, and do they understand your specific situation? We work across every major UK lender (and most specialist ones) and have particular depth in adverse credit, self-employed cases and complex employment income.
Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW, but we help Leeds clients day in day out by phone, email and video. You do not need to visit for a mortgage case to run smoothly, we handle paperwork digitally and liaise with lenders, surveyors and solicitors on your behalf.
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.
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.
Yes. We cover first BTL purchases through to portfolio landlords, including limited company BTL and HMOs.
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.
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.
Look for a whole-of-market, FCA-regulated advisor 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.
Yes. First-time buyer advice is a regular part of what we do, including cases with small deposits, limited credit history, gifted deposits or help-to-buy funds.
A tied advisor can only recommend their own employer’s products or a narrow panel. A whole-of-market advisor compares across every lender, which usually means a better rate for clean credit cases and a working option for specialist cases where tied advisors would have to decline.
No upfront advice fees on most mortgage advice 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.
Yes. End-of-fix remortgages, product transfers, capital-raising remortgages and debt consolidation remortgages are all core parts of our advisory work.
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.
