Looking to get a mortgage but you’ve got a low credit score?
We have a 96% success rate with our applications for our clients who have adverse credit.
We find the perfect fit for your circumstance and the best lender who can consider your application.
Getting a mortgage with past adverse can be tricky, but we’re here to help you and are well connected with the lenders who can consider your application so as to make sure we can get you the best rate possible and keep your payments low.
The first thing lenders will check when considering your mortgage is your credit score. This will show your payment history, current debt levels, account conduct and all the finer details of that.
There are numerous reasons you can have a low credit score:
- Late payments
- Overall outstanding debt levels
- Debt to income ratio
- Debt vs credit limit ratio
- Type of debt outstanding
- County Court Judgements
- Past or current Payday loans
- IVA / Bankruptcies
- Debt Management Plans
Often the lenders will make assumptions or even worse let the computer make the decision on whether to lend to you, this is where we step in to ensure you get the correct consideration for your application and we help present your application in the best light; increasing your chances of acceptance on your first application.
Why choose us
✅ Access to over 80 lenders so you will get the best rates available with many of these lenders not available on the high street which are exclusive to brokers
✅ Experienced advisors, so you’re in the safe hands of our advisors who will be able to assist whatever your circumstance
✅ Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward
✅ We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you