Adverse credit mortgages Essex

Why choose us for your adverse credit mortgage?

We're an experienced mortgage advisor in Essex with a wealth of knowledge in adverse credit mortgage advice. We have direct access to all UK lenders including subprime and adverse credit mortgage lenders, and direct relationships with underwriters which can help in getting your mortgage accepted - even if you've been turned down elsewhere.

We stay up to date with our network of specialist lenders and their ever-changing mortgage criteria. We speak with their underwriters regularly, and through our excellent relationships, often manage to get exceptions granted for people with extremely challenging credit histories or complex income scenarios, as long as we can explain the reason.

The impact of adverse credit on mortgage applications

High street banks, even your existing lender, typically don't like unusual cases. Because they work on the basis of risk, they prefer textbook cases: people with good credit profiles and a steady job with PAYE income. They usually steer away from applicants with a lot of outstanding debt or bad credit.

A low credit score doesn't mean you definitely won't get a mortgage from a high street lender - a handful are willing to accept a small amount of poor credit. The challenge is finding the ones that will, and this is where a broker adds value. We'll always check with prime lenders first to see if we can find one willing to accept your application.

What we do to find you the right mortgage

The first step is a simple fact find: some basic information plus your income, address history and contact details. We'll ask for your credit report to check the details of your current and past commitments - regardless of whether your rating is good or bad, it contains important information for searching the market on your behalf.

We deal with a wide range of financial situations, and we never judge our customers, so you can be totally honest with us.

Our promise

We'll always do our best to find the perfect mortgage for you, with the best interest rate available for your circumstances. If, for any reason, we're unable to secure you a mortgage offer straight away, we'll provide you with a detailed plan of action to ensure we can help you in the near future. Plus, you won't have to pay us a penny.