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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We are a whole-of-market mortgage broker based in Nottingham, helping Leicester clients across first-time buyer purchases, home moves, remortgages and specialist cases. Our particular expertise is in cases high street lenders decline, bad credit, self-employed income, CCJs, defaults, DMPs, IVAs and complex employment histories. For straightforward cases we still save clients hours of research by matching them to the right lender first time; for complex cases we open doors most clients did not know existed.
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 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 Leicester 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.
We talk through your situation and goals. No obligation, no credit mark.
We assess the specifics and everything else lenders will want to know.
We target the specialist lenders whose criteria fit your case.
We package the case, submit it and guide you through to offer.
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.
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.
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.
Typical timescales are six to twelve weeks from application to offer. Specialist cases can be slower depending on the lender and valuation.
Yes. Clients beyond mainstream retirement-age limits, including interest-only in retirement and equity release-adjacent cases, can be placed with specialist lenders.
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.
No upfront advice fees on most mortgage 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.
Yes. End-of-fix remortgages, product transfers, capital-raising remortgages and debt consolidation remortgages are all core parts of our work.
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.
