Bad credit? We can still help you with property finance.
We arrange mortgages and property finance for people the high street has turned away: CCJs, defaults, IVAs, missed payments, self-employed and complex income, small deposits. Tell us what has happened. We will tell you honestly what is possible.
A conversation, not an application. No obligation, and no credit check at this stage.
Specialist mortgage advisers for real people, not just credit scores.
Specialist bad credit mortgages
For people with CCJs, IVAs, defaults or missed payments. Lenders who ask why and when, not only what the score says.
Bad credit mortgagesSelf-employed and complex income
Accounts, day rates, dividends and more than one income. Lenders who read the whole of it.
Self-employed mortgagesLow deposit and fast bridging
Buy-to-let with a smaller deposit, and short-term funding for auctions and chain breaks.
Bridging financeDoes this sound like you?
- A CCJ or a default on your credit file
- Self-employed, with one or two years of accounts
- An IVA, current or settled
- A contractor, paid in dividends, or more than one income
- Missed payments or arrears
- A small deposit on a buy-to-let
- Turned down by your bank or another broker
- An auction purchase, or a chain that has broken
These are the cases we specialise in. Specialist lenders look at the reasons and the timing, not only the score. Our job is to know which lender, and to put your case well.
Six kinds of finance, one way of working.
Whatever you need, it starts with a conversation about your situation, and ends with a lender who understands it.
Bad credit mortgages
For CCJs, defaults, IVAs and missed payments.
Read more 02Self-employed and complex income
Accounts, day rates, dividends and more than one income.
Read more 03Buy-to-let mortgages
For first-time and experienced landlords, including options with a smaller deposit.
Read more 04Bridging finance
Short-term funding for auctions, chain breaks and purchases that cannot wait.
Read more 05Development finance
Funding for building, converting and refurbishing property.
Read more 06Commercial finance
Finance for commercial property and business premises.
Read moreThree steps. Honest at every one.
Tell us what has happened
A call, or a few lines on the form. No credit check at this stage, and no judgement.
We look at the whole picture
The reason, the timing, your income and your deposit, not only the score.
We find the lender and see it through
We put your case to specialist lenders who take a human view, and guide you every step of the way.
What our customers say.
“Very honest and dedicated in helping clients. Thank you for your service.”
“Very professional, helpful, understanding, and always aim to provide individualised customer service.”
“Great service! Professional and all carried out in a timely fashion. Thank you!”
Can I get a mortgage with bad credit?
Yes, often. Many specialist lenders consider applications from people with bad credit, including defaults, CCJs or missed payments. They look at your whole financial situation, not only your credit score.
Can I get a mortgage with CCJs, or after an IVA?
It is possible. It depends on how recent they are and on the rest of your profile. We specialise in matching you with lenders who are open to these circumstances.
Can I get a mortgage if I am self-employed or have complex income?
Yes. We work with lenders who understand self-employed income, contractor day rates, dividends and more than one income stream, not only standard payslips.
How much deposit do I need for a buy-to-let mortgage?
Many high-street lenders want a large deposit. Some specialist lenders offer options with as little as 5 to 10%, depending on your circumstances.
How quickly can I get a mortgage approved?
In some cases we can secure a decision in as little as 24 to 72 hours, especially for urgent situations such as bridging finance or an auction purchase.
What is bridging finance, and when would I need it?
Bridging finance is a short-term loan used to bridge the gap between buying and selling a property. It is commonly used for auctions, chain breaks and time-sensitive purchases.
Can you help if I have been declined by a bank?
Yes. This is exactly where we add value. High-street lenders often use strict criteria. We work with specialist lenders who take a more flexible, human approach to underwriting.
Tell us your situation
A few lines is enough. We will call you back within one working day to talk it through. No obligation, and no judgement.
Thank you. It is on its way.
We will call you back within one working day. If it is urgent, call us on 0203 576 7110.