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 Manchester 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.
Manchester has one of the strongest specialist lender markets in the North West. We help Greater Manchester borrowers across the city, from Chorlton and Didsbury to the wider Trafford, Salford and Bury areas. We work with Manchester 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.
Our approach with Manchester mortgage advice clients is straightforward. Honest assessment of your position, including when the timing is not yet right. Clear advice on what is and is not possible. No pressure to apply before you are ready, and no commission-chasing recommendations.
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.
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.
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.
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.
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.
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.
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.
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.
