Search Mortgages Even with Bad Credit

Bad credit shouldn’t stop you getting a mortgage. Check our Mortgage Deals.

5 star reviews

Bad Credit Mortgages

You’ve been unlucky in the past and have a less than perfect credit report.  Mortgages are a little more difficult to obtain when you have experienced credit difficulties, but this is where our 20 years of experience helps.

Our team of Mortgage Brokers are experienced in helping people with a credit history obtain a mortgage.

We could help even if you have suffered:

  • Defaults.
  • County Court Judgements (CCJ)
  • Personal Loan and Credit Card Arrears
  • Mortgage Arrears
  • Discharged Bankrupts
  • Discharged IVAs
  • Debt Management Plans – even if you are still paying into the plan
  • Previously Repossessed

or even a combination of these.

Where Do You Fit?

Minor Bad Credit

Defaults or CCJ less than £500, registered more than 3 years ago and satisfied within 6 months – You may qualify for high street lenders

Recent Bad Credit

1 CCJ or Default in the last 12 months for a value of less than £1,500 or multiple defaults or CCJ’s registered more than 2 years ago – you will have a good chance of obtaining a mortgage with a specialist lender.

Bankruptcy / IVA

Bankruptcy – this will need to be discharged more than 3 years ago, a large deposit of about 35% of the purchase price will be required. IVA – this will need to be discharged more than 6 years ago, a large deposit of about 35% of the purchase price will be required.

Been Repossessed

This will need to be more than 6 years ago, a large deposit of about 35% of the purchase price will be required.

Get Your Mortgage Quotes

see how much you could save.

A 5 Star service from a 5 Star Broker

We love our clients and the love our service.  This is what they say…

I’m dealing with Richard best mortgage broker highly recommended . Always responds on time great and quick service.

Sarunas

Great service, really nice people. We dealt with Richard and Jayne and they were always happy to help. Thanks guys!

David

Such a friendly team who know what they are talking about. They will give you more than 100%. Highly recommend

Jan
After trying to source our own mortgage it was very clear that this team know the market far better than we do. They sourced a much better mortgage with far better interest rates! Very friendly, professional service! Once we moved in to our property they even sent us a beautiful picnic basket filled with goodies! Thank you!
Natascha

Thanks Adam and the team for brilliant service over the years,quick,efficient helpful and great all round customer service.would never use another broker!

Nicky

I wanted a local broker, googled it and I found them to be very professional, and was constantly chasing the whole mortgage process all the way, very much on the ball is what I can say.

Can’t thank you enough for your help.

Oly