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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A specialist mortgage broker covers the full UK lender market, including the dozens of specialist lenders who do not advertise directly to the public. For cases involving adverse credit, self-employed income, complex employment, non-standard construction or any situation outside standard lender criteria, specialist broker access is often the difference between acceptance and decline. Mainstream brokers typically work from a limited panel; a specialist whole-of-market broker places cases that panel brokers cannot.
Specialist mortgage lenders exist because the mainstream market has gaps. Thousands of UK borrowers each year have situations that look fine to them but trigger an automatic decline on mainstream lender criteria: an unsatisfied CCJ, a short self-employment history, a non-standard construction property, a payment issue from a few years ago. Specialist lenders have the criteria to say yes where mainstream lenders say no.
A specialist mortgage broker’s role is to match your specific case to the specialist lender whose criteria fit. Each specialist lender has its own criteria set, often unpublished, and the match matters because applying to the wrong lender first adds hard searches to your file and makes the next application harder. Case placement is where the broker’s experience earns its value.
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.
We are an FCA-regulated specialist mortgage broker, authorised under Firm Reference 1002905. Our day-to-day work is heavy on cases that fall outside mainstream lender criteria, which is where whole-of-market access matters most.
You deal with named advisors who place these cases every week, not call centre staff reading from a script. The result is faster assessments, straighter answers and better case placement.
A specialist mortgage broker covers the full UK lender market, including specialist lenders who do not advertise directly to the public. Their value is in placing cases that mainstream brokers cannot.
Mainstream brokers typically work from a limited panel of major lenders. A specialist whole-of-market broker accesses the specialist lender market too, which is where cases involving adverse credit, self-employed income or non-standard situations usually get placed.
Not necessarily. If your case fits mainstream criteria, any good broker will find you a strong deal. Specialist broker access matters when your case falls outside mainstream criteria for any reason.
Specialist lender rates sit above mainstream rates to price for the additional risk. As your situation improves (older adverse credit, longer self-employed history), remortgaging onto a better rate later is often 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.
Our weekly caseload is heavy on adverse credit (CCJs, defaults, DMPs, IVAs), self-employed income (sole traders, limited company directors, contractors) and complex employment histories.
No upfront advice fees on most specialist mortgage cases. We are usually paid by the lender via a procuration fee once the mortgage completes.
Our office is in Nottingham, at Park Lane Business Centre, NG6 0DW. You do not need to visit. We help specialist mortgage clients across the UK by phone, email and video.
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.
