If you’ve had missed payments, defaults, CCJs, debt management plans or a low credit score, we can help you understand what mortgage options may still be available.
Speak to a Mortgage AdviserA poor credit history does not always mean a mortgage is impossible. Lenders look at the type of issue, how recent it was, whether it has been satisfied, your deposit and overall affordability.
Support if you have late or missed payments on your credit file.
Guidance if you have defaults, whether satisfied or still outstanding.
Help understanding how county court judgments may affect your options.
Advice if your credit score is low or your credit history is limited.
We look at what happened, when it happened and your current financial position.
We help you prepare the information lenders may need to assess your case.
We consider lenders that may be more suitable for complex credit cases.
We help avoid unnecessary applications and guide you through the process.
Different lenders treat credit issues differently. The details matter, so getting advice before applying can help protect your credit file from unnecessary searches.
You want to buy your first home but have past credit issues.
You already own a home and need mortgage options for your next move.
You want to review your current mortgage despite credit challenges.
You have had, or are currently in, a debt management arrangement.
It can help to gather a recent copy of your credit report, details of your income, deposit evidence and any information about historic credit issues. This allows an adviser to assess your position more clearly before approaching lenders.
Speak with Mortgage Advisor UK and get clear, honest guidance before making an application.
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