Adverse Credit Mortgages
Clear advice when your credit history needs a closer look

1. Understand the full picture
Missed payments, defaults or a County Court Judgment can make a mortgage more complicated. We’ll take time to understand what happened, when it happened and where things stand now, without judging your circumstances.

2. Review your credit report and budget
We’ll review your credit report, income, outgoings and deposit. This helps identify any information or errors that need attention before an application.

3. Explore suitable lenders
Lenders assess credit history differently. We’ll explain the options, rates, fees and deposit requirements, and recommend a suitable mortgage where possible. Approval depends on the lender’s criteria and affordability checks.

4. Plan your next steps
If an application is appropriate, we’ll help with the paperwork and keep you updated. If the timing isn’t right, we’ll explain what may need to change and help you plan ahead.