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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We are a whole-of-market mortgage broker based in Nottingham, helping Nottingham 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.
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. Nottingham clients come to us for different reasons. Some want someone who can navigate the hundreds of mortgage products on the market. Others have been declined by their bank and want to understand whether a mortgage is still possible. Our whole-of-market reach and specialist focus mean we handle both types of case equally.
Our approach with Nottingham 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.
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.
Yes. Clients beyond mainstream retirement-age limits, including interest-only in retirement and equity release-adjacent cases, can be placed with specialist lenders.
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.
Standard documentation includes proof of identity, address, income (payslips, SA302s or accounts), bank statements and credit file. We tell you what the specific lender will want for your case.
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.
No. Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW, but we help Nottingham clients entirely by phone, email and video. All paperwork is handled digitally.
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).
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.
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.
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.
