Adverse / Bad Credit

Helping borrowers with bad credit to get back on track

If you’re looking for a ‘bad’ credit mortgage it may be because you have had problems with borrowing money in the past and that your credit score is low. This may make it harder for you to get a mortgage. Some of the things that could negatively affect your credit score include having a few missed credit card payments, a County Court Judgement (CCJ) against you or currently being on a debt management plan.

However, whether or not you have ‘bad’ credit is somewhat subjective. This is because expectations vary between lenders – so one may approve your mortgage application, while another rejects it regardless of any ‘bad’ credit you may have.

Don’t despair, we are able to help.

We work with lenders across the mortgage market and know which lenders specialise in offering products tailored to customers who have current or past bad credit.

The mortgage products available are the same as standard mortgage products, the only difference is the way they are assessed. Some lenders do not credit score and instead manually assess each application individually. This allows the lender to take into consideration unexpected life events which may have caused the bad credit to arise. Examples of this might include you losing your job or getting divorced.

Your home may be repossessed if you do not keep up repayments on your mortgage