An important message from our adverse credit mortgage brokers | A poor credit history does not have to stop you from becoming a homeowner. If you’ve faced missed payments, CCJs, defaults or bankruptcy, mortgage options may still be available, especially with the right advice.
Adverse Credit Mortgage Brokers specialise in helping applicants rebuild their credit and secure appropriate mortgage solutions. We work with UK lenders who take a practical approach and consider your full financial picture.
We avoid generic advice. Our brokers assess your circumstances carefully and recommend suitable options based on your credit history and goals. This may involve improving your credit profile or finding lenders who offer more flexible criteria.
We support you throughout the entire process. From your first enquiry to receiving your keys, we provide clear advice and lender access based on your situation.
We deal with niche lenders who accept applications that many high street banks might decline. Our approach is always focused on what works best for you.
Whether you’re starting again or making your first purchase, we’ll help you move forward with a solution that suits your needs.
Why Adverse Credit Clients Need Adverse Credit Mortgage Brokers
Mainstream lenders often view poor credit as a red flag, automatically declining applications. However, adverse credit mortgage brokers take a different approach—they advocate for your unique situation and match you with lenders who understand that life happens.
Here’s how specialist brokers help:
Work with over 100+ niche lenders who regularly approve clients with impaired credit
Interpret your credit report, highlight recoveries, and present your case in the best light
Explain lender criteria clearly, including how recent the adverse events are and how they impact eligibility
Find mortgages with realistic interest rates, avoiding high-risk short-term products
Tailored Mortgage Options for Adverse Credit Borrowers
Every adverse credit profile is different. That’s why brokers match each client with mortgage solutions designed to reflect their specific financial history, income, and recovery progress.
Bad Credit Mortgages
Some lenders accept applications with active arrangements for those with a history of missed payments, defaults, or debt management plans.
CCJ & Default-Friendly Mortgages
Specialist products cater to clients with County Court Judgments or defaults—often even those within the last 12 months.
Bankruptcy or IVA Recovery Mortgages
If you’ve discharged a bankruptcy or completed an IVA, some lenders offer mortgages after just 12–24 months.
Self-employed with Adverse Credit
Some lenders will assess affordability based on recent trading history or projected income, even if you’re newly self-employed and have had financial struggles.
💡 Did You Know?
Over 6 million UK adults have a history of adverse credit, yet thousands secure mortgages every year through specialist lenders.
Some lenders now accept applicants with credit scores as low as 300, provided the rest of the profile supports affordability and stability.
15% of mortgage approvals in 2024 were granted to applicants with some form of adverse credit, reflecting growing lender flexibility.
How Lenders Assess Adverse Credit Applications
Understanding how lenders view your situation is key to securing the right deal. Here are the key considerations:
Type and Severity: A single late payment carries less weight than multiple defaults or recent repossessions.
Timing: The older the adverse event, the less it typically impacts your application.
Credit Rebuilding Steps: Have you recently made on-time payments or maintained low credit usage? Lenders love to see positive momentum.
Affordability: Even with adverse credit, if you can prove stable income and low outgoings, your chances improve significantly.
Alternatives to Adverse Credit Mortgages
While adverse credit mortgages are often the most direct solution, here are some alternatives that might suit your goals:
Guarantor Mortgages – A trusted family member can support your application, improving your chances and rate.
Joint Mortgages with a Stronger Applicant – Partnering with someone with clean credit can help offset your history.
Credit Repair First, Then Apply – If not in a rush, working with credit improvement specialists for 6–12 months may open better deals later.
Shared Ownership – A more affordable entry into the property market with a lower deposit and income threshold.
Adverse Credit Mortgage Brokers | Why Work With Us?
You’re not just applying for a loan, you’re rebuilding your financial confidence. That’s why we offer:
Access to 100+ specialist lenders open to adverse credit applications
Advice tailored to your situation, not generic tick-boxes
Support with credit report interpretation, planning, and future-proofing
A non-judgemental approach grounded in experience and results
💡 Final “Did You Know?” Insights:
Lenders don’t all use the same credit scoring models, so being declined by one doesn’t necessarily mean rejection across the board.
Settling CCJs just before applying can improve your options, as some lenders look more favourably on resolved issues.
Soft search applications can help you check your eligibility without further damaging your credit.
Ready to Take the Next Step?
Whether you’re six months post-default or recovering from bankruptcy, we’re here to help you move forward. Speak to an Adverse Credit Mortgage Broker today and discover what’s possible because a strong future can begin even with a shaky past.
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FAQ: Adverse Credit Mortgage Brokers
| Question | Answer |
|---|---|
| What is an adverse credit mortgage broker? | An adverse credit mortgage broker specialises in helping clients who have a poor credit history or financial difficulties. They work with lenders that offer mortgages to people with defaults, CCJs, or missed payments. |
| Can I get a mortgage with bad credit? | Yes, it is possible to get a mortgage with bad credit. Specialist lenders consider your full financial profile rather than just your credit score. A broker can match you with lenders most likely to accept your application. |
| What types of credit issues can brokers help with? | Adverse credit brokers can help with a wide range of issues such as county court judgments (CCJs), defaults, late payments, debt management plans, or previous bankruptcy. |
| How can a mortgage broker help if I have bad credit? | A broker has access to specialist lenders that are not available directly to the public. They can guide you through lender criteria, improve your chances of approval, and help you present your case in the best possible way. |
| Will I need a larger deposit if I have bad credit? | In most cases, lenders may ask for a larger deposit to reduce their risk. However, a specialist broker can find lenders who accept lower deposits depending on your circumstances. |
| Does using an adverse credit broker affect my credit score? | No, using a broker does not affect your credit score. They can often run soft credit checks before submitting a full application, which avoids unnecessary credit searches. |
| Can I get a mortgage after bankruptcy or repossession? | Yes, depending on how long ago it occurred and your current financial position. Some lenders consider applicants three to six years after discharge if you meet their criteria. |
| How long does the process take? | The process can take between two and six weeks, depending on your lender and how quickly documentation is provided. A broker ensures the process runs smoothly and efficiently. |
| Are adverse credit mortgages more expensive? | They can have higher interest rates initially, but after a period of good payments, you can often remortgage to a standard product with lower rates. |
| How do I find the right adverse credit mortgage broker? | You can use the Connect Experts platform to search for a qualified broker who specialises in adverse credit. Filter by location, experience, and language to find the right professional for your needs. |