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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Question 1 of 3
Choose the option that best fits your situation.
An approximate answer is absolutely fine.
This helps the team understand where you are in the process.
Tell us how to get in touch and one of the team can pick this up with you.
What we do for Sheffield mortgage advice clients: understand your situation in depth, identify the lenders whose criteria fit, recommend the strongest option, package the case for the best acceptance chance and handle the application through to offer. For straightforward cases this is time saved; for complex cases it is the difference between acceptance and decline.
Sheffield borrowers come to us from across South Yorkshire. We know the city’s specialist lender appetite, from first-time buyer flats near the city centre through to family homes in Dore, Totley and the suburbs. We work with Sheffield 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 Sheffield 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.
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.
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.
Yes. End-of-fix remortgages, product transfers, capital-raising remortgages and debt consolidation remortgages are all core parts of our advisory work.
Yes. Clients beyond mainstream retirement-age limits can be placed with specialist lenders. Interest-only in retirement is an option in specific circumstances.
No. Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW, but we help Sheffield clients entirely by phone, email and video. All paperwork is handled digitally.
No. An initial conversation and look at your situation is a soft enquiry and leaves no mark on your file. A hard search only happens when you formally apply to a specific lender.
Yes, including help-to-buy, shared ownership and developer-specific schemes. New builds have their own criteria set which we are familiar with.
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.
Yes. We cover first BTL purchases through to portfolio landlords, including limited company BTL and HMOs.
A free initial chat gets you a clear view of what’s actually possible. Soft search only, no obligation, no commitment.
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.
