Don’t let your credit history hold you back from homeownership

Bad Credit Mortgages

We believe that everyone deserves a chance to own their dream home, regardless of their credit history. That’s why we specialise in providing bad credit mortgages, tailored to individuals who have faced financial challenges in the past. With our expertise and commitment to finding creative solutions, we can help you overcome your credit hurdles and unlock the doors to homeownership.

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Absolutely! While traditional lenders may consider bad credit a barrier, We specialise in helping individuals with less-than-perfect credit obtain a mortgage. We understand the unique challenges you face and will work diligently to find the right mortgage solution for you.

While the specific requirements may vary, our goal is to make the qualification process as accessible as possible. Typically, we consider factors such as your income stability, employment history, and ability to make a down payment. we’ll assess your individual circumstances and guide you through the process, ensuring you have a clear understanding of the requirements.

It’s important to note that bad credit mortgages may have higher interest rates compared to traditional mortgages. However, we’re dedicated to exploring various options and negotiating the most favourable terms on your behalf. We’ll strive to find a solution that aligns with your financial goals while minimising the impact of higher interest rates.

Absolutely! Taking on a bad credit mortgage and making timely payments can help improve your credit score over time. By demonstrating responsible financial behaviour, you’ll gradually rebuild your creditworthiness. We can provide guidance on how to manage your mortgage payments effectively and support you on your journey to better credit.

The timeline for a bad credit mortgage can vary depending on various factors, including the complexity of your financial situation. However, we’re committed to streamlining the process and ensuring a smooth experience for you. We’ll provide regular updates, communicate clearly, and work efficiently to help you secure your mortgage in a timely manner.

Begin your mortgage journey

We may charge a broker fee for mortgage advice. The fee can vary from £499 – £995 depending on your circumstances and the complexity of the case with a typical fee being £499. The fee will be agreed with you at the earliest opportunity and no fee is charged until offer stage.

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