Poor credit doesn't rule you out automatically. Specialist lenders work with CCJs, defaults, missed payments and IVAs every day, and a two-minute enquiry tells you what you could borrow and where you stand.
Free, no-obligation service
FCA-authorised advisers
Poor & adverse credit specialists
First-time buyers, homeowners coming off a deal, landlords and people who've already been turned down: each case is handled by advisers who work with it every week, so you get a real answer instead of a guess.
A no from one lender is a no from that lender only. The ones that work with poor credit rarely advertise the fact.
Lenders weigh how long ago it happened and whether it's settled, not just that it's on your file.
Whether it's still running or discharged changes the lenders, not the answer. Both are workable.
When a deal ends you usually roll onto your lender's standard rate. An adviser can check what else is open to you.
Contractors and the self-employed are often turned away over income evidence, not credit. Some advisers can read accounts.
Including portfolio cases, and landlords whose own credit file has taken a knock.
No cost, no pressure, and nothing to commit to at any point. Here's what happens after you send the form.
Tell us what you're trying to do and a little about your credit history. Two minutes, no documents, no credit search.
Your form goes to an FCA-authorised adviser who deals with cases like yours, so the first call already starts from your situation.
Your adviser finds the lenders who'll consider your history, tells you honestly what's possible, and stays with you through to offer and completion.
CCJs, defaults, missed payments, IVAs, even recent bankruptcy: specialist lenders work with all of them. Our advisers know which lenders read your history favourably and how to present your case in the best light, so you find out where you stand rather than guess.
CCJs and defaults
Missed payments and arrears
IVAs and bankruptcy
Self-employed income
Free to use, but not unaccountable. This is the framework that sits behind the adviser you'll speak to, and what you're entitled to from them.
Every adviser we introduce you to is authorised and regulated by the Financial Conduct Authority, and holds the permissions needed to give mortgage advice. We do not give advice ourselves: our role is to introduce you to an adviser who can.
There's no charge from us for the introduction. If your adviser charges a fee, it's agreed with you in writing before anything goes ahead.
We are paid by the adviser we introduce you to. Your enquiry goes to one adviser only, not a panel and not a mailing list, and is handled under UK data protection law.
If something goes wrong you can complain to the adviser's firm and, if it isn't resolved, take it to the Financial Ombudsman Service. That's what regulated advice gives you.
Everything you need to know about getting a mortgage with poor or adverse credit.
Yes, and most people who ask us had already assumed they couldn't. Specialist lenders work with CCJs, defaults, missed payments and more, so the real question is which lender suits your file, not whether one exists. One enquiry gets you that answer.
Yes. There's no charge from us for being matched, and nothing to pay for the quote. If you go on to take a mortgage and your adviser charges a fee, they'll tell you the amount in writing before you commit.
An initial soft search doesn't affect your credit score. Your adviser only runs a full search once you're ready to apply, and not before.
It depends on your income, deposit and credit history, so it's worth finding out rather than assuming. An adviser will give you a realistic figure based on your actual situation, not a general rule.
Yes. Every adviser we work with is authorised and regulated by the Financial Conduct Authority (FCA), and holds the permissions needed to give mortgage advice.
Most people hear from an adviser within 24 hours. From there it depends on the lender and how complicated your case is, and you'll be told a realistic timeline once your details have been looked at.
No. Your enquiry goes to one FCA-authorised adviser who handles cases like yours: not a panel, and not a mailing list. We are paid by the adviser we introduce you to, which is why the quote costs you nothing, and you can ask for your details to be removed at any time.
You'll be told honestly, and told what would need to change and roughly when it's worth coming back. There's no charge for that answer and no impact on your credit score, so you finish the call knowing where you stand either way.
Get a free, no-obligation quote from an FCA-authorised adviser today.
Answer a few quick questions and we'll match you with an FCA-authorised adviser who specialises in your situation. Free, and there's no obligation to go further.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Adverse Credit Mortgages is a mortgage introduction service operated by Charlotte Wood, Stourbridge, DY8 5TF. We do not give mortgage advice and we are not authorised to do so.