Find a residential mortgage adviser who understands credit issues. If you are looking for a residential mortgage and have credit issues, choosing the right adviser can make the process feel clearer.
This page helps you search for mortgage advisers who may be able to support clients with credit concerns. You can filter by language, adviser preference and location, then review adviser profiles before deciding who you would like to contact.
Connect Experts is a UK mortgage adviser directory and matching platform. We do not provide mortgage advice directly. Advice is provided by the adviser or firm you choose.
To learn more, visit our Adverse Credit Mortgage Guide page
Why Connect?
What this page helps you do
Use this page if you want to find a residential mortgage adviser and your situation may involve credit issues.
This may include concerns such as missed payments, defaults, CCJs, debt management plans, low credit scores or previous financial difficulty. Every case is different, so the adviser you choose will need to understand your circumstances before explaining what options may be available.
You can use the filters below to narrow your search by:
- Preferred language
- Adviser gender preference
- Face-to-face location preference
- Online or remote advice suitability, where available
Once you have made your selections, you can view advisers who match your search and choose who you would like to contact.
Why adviser choice matters when you have credit issues
Credit issues do not always mean a mortgage is impossible, but they can affect how lenders assess an application.
A residential mortgage adviser with experience in credit issues can help explain what may matter to lenders, such as:
- The type of credit issue
- How recent it was
- Whether it has been settled
- Your income and employment status
- Your deposit
- Current affordability
- The property type
- The lender’s criteria at the time you apply
The aim of this page is to help you find an adviser who is relevant to your needs before you make contact.
Why Do We Offer Our Clients Gender Options?
We always provide our services without discrimination. However, we understand and respect that in certain situations, a client may have a valid reason for preferring a mortgage adviser of a specific gender. We aim to accommodate these preferences when possible:
Cultural or Religious Reasons: Some clients have cultural or religious beliefs that limit their interactions with individuals of a certain gender.
Personal Comfort and Trust: Discussing personal finances and private information can be sensitive. A client might be more comfortable or find it easier to trust an adviser of a certain gender, possibly due to past experiences or personal comfort levels.
Language and Communication Styles: Effective communication is key in financial advising. Some clients may feel that an adviser of a particular gender better understands their communication style or needs.
Gender-Specific Experience or Expertise: Occasionally, a client may seek an adviser of a specific gender due to the adviser’s experience or expertise in handling issues particularly relevant to that gender. For example, a female client may prefer a female adviser experienced in managing mortgage issues affecting women, such as the implications of maternity leave on mortgage applications.
