Obtaining a mortgage has grown increasingly difficult in recent years, not just as a result of rising housing prices, but also as a result of tighter lending requirements set by lenders following the mortgage market review.

If you have a bad credit rating, it can be very discouraging when trying to secure a mortgage, regardless of the size of your deposit or the amount income you receive.


We have great relationships with lenders who are more accepting of adverse credit. We will begin by providing you with impartial advice regarding your potential to obtain a mortgage so that you do not worsen your situation by going to a lender and having your application refused.

What causes adverse credit?

There are a number of factors that go into determining your credit score; some of the most prominent reasons for people having bad credit include:


  • Not being able to make a loan, credit card, or mortgage payment on time
  • Having a payday loan that isn’t being paid back
  • Being declared bankrupt or entering an individual voluntary arrangement (IVA)


It’s also worth mentioning that if you’ve never taken out credit before, you can be turned down for specific finance solutions because you haven’t yet established a credit history.

Speak to us.
Let’s see if we can help