No call centre and no sales pitch. One form puts you in touch with a mortgage adviser who specialises in the kind of credit history you have, and you decide whether to take it further.
Free to use, with no fee for the introduction
Advisers authorised and regulated by the FCA
An adviser usually makes contact within 24 hours
Here's the whole journey, including the parts most sites leave out.
Tell us what you're trying to do and a little about your situation. It takes about two minutes, and there's nothing to upload or prove at this stage.
Your form goes to an adviser who deals with cases like yours. They've looked at what you told us before they call, so the first conversation starts from where you actually are.
What's possible, what isn't, and what would need to change. There's no obligation, and nothing to sign unless you decide the deal is right for you.
Handing over your financial details takes trust, and we are an introduction service rather than an advice firm. Here's what we commit to in return.
Using the service costs you nothing. Any fee comes from your adviser, is agreed in writing, and only applies if you decide to proceed.
We sell your enquiry to one FCA-authorised adviser who can help with your case, and to no one else. Your details are not added to a mailing list, and you can ask for them to be removed at any time.
The first look at your file is a soft search that only you can see. A full credit search happens when you say so, not before.
No obligation, no tie-in, and nothing to sign until you decide the deal is right for you.
It takes about two minutes, and nothing happens until an adviser has looked at your case.
The things that come up most often before someone sends a form.
There's no charge from us for being matched, and nothing to pay for the quote. If your adviser charges a fee for their work, they'll tell you the amount upfront and in writing before anything goes ahead.
They go to an adviser who deals with cases like yours, so they can look at your situation and get in touch. They aren't sold on or added to a marketing list.
No. The first check is a soft search, which only you can see. A full credit search only happens when you decide to apply for a specific deal.
You'll be told honestly, and you'll be told why. Often the answer is that something needs to change first, a default settled, an arrangement finished, more deposit saved, and you'll know when it's worth coming back.
An adviser usually makes contact within 24 hours. From there, a straightforward case can move in a few weeks and anything complicated takes longer, but you'll be given a realistic idea at the start.
No. There's no obligation at any point. You can ask to speak to someone else, take the information elsewhere, or stop altogether.
Send the form and an adviser takes it from there.
Tell us a little about your situation and we'll match you with an adviser who specialises in it.
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.