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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What we do for Leeds mortgage clients: assess your situation across income, deposit, credit file, property and plans; identify the lenders whose criteria fit; recommend the strongest fit; package the case to maximise acceptance chances; and handle the application through to offer. For straightforward cases this saves time; for complex ones it is the difference between acceptance and decline.
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. A good mortgage broker does three things: understands your situation in detail, knows the lender market well enough to match you to the right fit, and presents your case to the lender in the way that gives the strongest acceptance chance. For Leeds clients, we handle all three with particular depth in adverse credit and specialist lending.
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.
Our firm specialises in the mortgage cases most brokers avoid: adverse credit, self-employed with limited accounts, complex income, non-standard construction, and anything requiring specialist lender access.
Advisors are qualified, named and accountable. We tell clients when timing is right and when it is not, which is why our reputation holds across thousands of placed cases.
Non-standard construction (concrete, steel-frame, timber, high-rise) narrows the lender pool but does not close it. Specialist lenders cover these cases.
Look for a whole-of-market, FCA-regulated broker 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, including help-to-buy, shared ownership and developer-specific schemes. New builds have their own criteria set which we are familiar with.
A bank advisor can only recommend their own lender’s products. A whole-of-market broker compares across every lender, which usually means a better rate for clean credit cases and a working option for specialist cases where the bank would decline.
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.
No. An initial conversation and look at your situation is a soft enquiry and leaves no mark on your credit file. A hard search only happens when you formally apply to a specific lender, with your permission.
Yes. My Mortgage Specialist Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference 1002905, an Appointed Representative of TMG Direct Limited (FRN 786245).
Yes. First-time buyer cases are a regular part of what we do, including those 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.
