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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This helps the team understand where you are in the process.
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We provide whole-of-market mortgage advice to Nottingham 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.
We are based in Nottingham ourselves, at Park Lane Business Centre, NG6 0DW, which means your case is handled locally by advisors who know the East Midlands property market and the specialist lenders active in this region. We work with Nottingham 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 Nottingham 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.
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.
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.
Non-standard construction (concrete, steel-frame, timber, high-rise) narrows the lender pool but does not close it. Specialist lenders cover these cases.
Yes, this is a core specialism. Cases involving CCJs, defaults, DMPs, IVAs or bankruptcy are a large part of our weekly caseload.
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.
Yes, including help-to-buy, shared ownership and developer-specific schemes. New builds have their own criteria set which we are familiar with.
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.
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.
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.
