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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A whole-of-market mortgage advisor covers the full UK lender market rather than being tied to a limited panel. For Leicester clients that means we can match your specific situation to the right lender first time, which matters most on specialist cases where lender match determines acceptance.
Leicester sits in the same East Midlands lender market we work with daily from Nottingham. We help Leicester borrowers across the city and the wider Leicestershire area. We work with Leicester 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.
Being Nottingham-based with a national client base means we see Leicester cases regularly and know which lenders are most active in the local market. We take care of the admin side of the application, keep you updated on progress, and translate lender-speak back into plain English.
A no-obligation conversation about where you stand. Soft search only.
We work through the full picture, including what lenders will ask.
We match your case to the specialist lender whose criteria you fit.
Application, offer, and coordination with solicitors and surveyors.
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.
Yes, this is a core specialism. Cases involving CCJs, defaults, DMPs, IVAs or bankruptcy are a large part of our weekly caseload.
Non-standard construction (concrete, steel-frame, timber, high-rise) narrows the lender pool but does not close it. Specialist lenders cover these cases.
Yes, including help-to-buy, shared ownership and developer-specific schemes. New builds have their own criteria set which we are familiar with.
An initial conversation takes 20-30 minutes. From there, we can usually give you a view of what is possible within a day or two of seeing the full picture. The full application takes six to twelve weeks.
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.
Yes. End-of-fix remortgages, product transfers, capital-raising remortgages and debt consolidation remortgages are all core parts of our advisory work.
Yes. Sole traders, limited company directors and contractors are all familiar case types for us, including those with just one or two years of accounts.
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 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 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.
