Get your free quote

Request your free mortgage quote

One short form. Tell us a little about your situation and we'll match you with an FCA-authorised adviser who deals with cases like yours. Free, and with no obligation to go any further.

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    Free to use, with no fee for the introduction or the advice

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    Advisers authorised and regulated by the FCA

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    An adviser usually makes contact within 24 hours

Free, with no obligation

Send us your details

The more you tell us, the more useful the first conversation will be. Your details are only used to match you with an adviser who can help.

No obligation. Your details go to the one FCA-authorised adviser we introduce you to, and no one else.
After you send it

What happens next

Three things, in order, and nothing happens without you knowing about it.

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We match your case

Your form goes to an adviser who works with your kind of credit history and the type of mortgage you're after.

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They get in touch

Usually within 24 hours, by phone or email. There's no script and no pressure to decide anything on the call.

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They look at the whole market

Your adviser searches the lenders who'll consider your circumstances and explains the options, including the option not to proceed.

Common questions

Before you send your details

What people ask most about cost, privacy and what we do with what you tell us.

No. There's no charge from us for sending the form or for being matched. If you go on to take a mortgage and your adviser charges a fee, they'll set out the amount in writing beforehand.

One FCA-authorised adviser who deals with cases like yours. We are paid by the adviser we introduce you to, so your enquiry goes to them alone: not a panel, and not a mailing list. Your details are not passed to lenders until you decide to apply.

Not from this form. The first check is a soft search that only you can see, and it has no effect on your credit score. A full search happens only when you apply for a specific deal.

Then use the advice anyway. Plenty of people come to us just to find out where they stand, then come back months later once a default has dropped off or their deposit has grown. Nothing expires and there's no obligation.

Anything else you'd like to ask?

Put it in the form above and an adviser will answer it directly.

Go to the form
Borderline cases welcome

Not sure you'd qualify? Send it anyway

A no costs you nothing, and it usually comes with a straight answer about what would need to change and when it's worth coming back.

Back to the form

Important information

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.

  • Any advice you receive comes from advisers authorised and regulated by the Financial Conduct Authority.
  • We may be paid by the adviser we introduce you to, and your enquiry is sold to that one adviser only. The service costs you nothing, and you are under no obligation to proceed with any adviser or any mortgage.
  • If you are unhappy with the advice you receive, raise it with your adviser's firm first. If it is not resolved, you can complain to the Financial Ombudsman Service at financial-ombudsman.org.uk.
  • We are registered with the Information Commissioner's Office under registration number ZC278418.