Adverse Credit Mortgage Experts
Connecting You with the Best Adverse Credit Mortgage Lenders
Welcome to A Little Mortgage Advice, your trusted adverse credit mortgage broker. We’re experts in securing mortgages for those with adverse credit; our extensive experience and knowledge mean you’ll have the best chance of getting the mortgage you need. Find out more below.
Adverse Credit Mortgage
Do you have a low credit score? Looking for adverse credit mortgages? Look no further, our specialist mortgage advisors can help.
We’re an experienced mortgage broker 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, we have direct relationships with underwriters which can help in getting your mortgage accepted – even if you’ve been turned down elsewhere. We’ve helped many buyers who assumed that getting onto the property ladder was impossible because of their low credit scores.
01268 387898
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
Adverse Credit Mortgages
Do you qualify for a specialist adverse credit mortgage? If one of the following applies to your financial history, then working with a mortgage broker who can approach specialist mortgage lenders on your behalf, may be your best option:
Missed, late payments or defaults
Defaults or CCJs
Debt management plans
Bankruptcy or IVA
Missed mortgage payments
If you answered yes to any of the above, you may have found it difficult to be accepted for a mortgage. Our specialist mortgage advisors are here to help. Here at A Little Mortgage Advice, we have access to lenders from the whole of the market, including specialist lenders who accept applications from those with poor credit history.
How We Can Help
As an independent mortgage broker familiar with dealing with customers with adverse credit, we work with lenders who specialise in low or poor credit. We have access to a wide range of specialist lenders with diverse eligibility criteria, who may be able to provide lending for your circumstances.
A Little Mortgage Advice will discuss your situation and advise on the best solution for you. We’ll provide you with honest and straightforward mortgage advice, which means you can make an informed choice about your options.
Find out if you qualify for an adverse credit mortgage by completing our form below.
Our Great Customer Reviews
Get Your Credit Report
Obtaining a credit report to help give you the best chance of getting the right mortgage. At A Little Mortgage Advice, we recommend checkmyfile because of their reliability and accuracy of reporting.
Click the link below to start your 30 day no obligation free trial.
*A Little Mortgage Advice receives a small fee from checkmyfile. Monthly fee of £14.99 applies after your free 30-day trial. You may cancel at any time without charge by Freephone, Secure Message, email or online. The free 30-day trial applies only to new customers aged 18 years or more who are living in the UK. The 30-day free trial period starts when you register.
Why Choose A Little Mortgage Advice?
Specialist Advisor
We’re a specialist independent mortgage broker with access to all U.K. mortgage lenders, meaning that we search the whole of the market to find you the best mortgage product to suit your individual circumstances. A Little Mortgage Advice Brokers really do go that extra mile for our customers.
Personalised Service
As a small, independent mortgage advice brokerage, you will have a dedicated mortgage advisor who will stay with you throughout the mortgage process. We dedicate the same amount of time to each customer, never leaving you waiting, responding quickly and answering all of your questions so you feel comfortable and confident that you are in safe hands.
Five-Star Reviews
Every customer interaction, email, and phone call is important to us. We pride ourselves on offering a five-star service at all times, our reviews speak volumes and so do the awards that we have won for outstanding service.
No Obligation Quote
We offer a free no-obligation quote and helpful advice throughout the process. So, finding out if we’re the right fit for you won’t cost you a penny. Its as easy as picking up the phone and giving us a call, you have nothing to lose and a lot to gain because our mortgage advisors are qualified and experienced.
Adverse Credit Mortgage Advice
If you’re struggling to get a mortgage or secure a remortgage deal, it may be that you need the help of a mortgage broker that can match your unique circumstances to a specialist mortgage lender. 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, for example 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.
If you have a low credit score, it doesn’t mean you definitely won’t get a mortgage from a high street lender. A handful of high street banks and building societies are willing to accept a small amount of poor credit. However, the challenge is in finding the ones that will. And this is where a mortgage broker can add value as we know the market inside and out. We’ll always check with prime lenders first to see if we can find one willing to accept your mortgage application.
Sub-Prime Mortgage Lenders and Adverse Credit Mortgage Lenders
If you have a somewhat colourful credit history, a specialist mortgage broker will be able to find the right solution for you and make a mortgage application on your behalf.
Our expert mortgage advisors are experienced in dealing with customers who have credit issues. We work with many people who have approached high street banks hoping to be accepted for a mortgage, only to be turned away, leaving them feeling disheartened.
A Little Mortgage Advice Brokers
Every member of our mortgage advice team is experienced in dealing with customers with unique and difficult circumstances. 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.
What A Specialist Bad Credit Mortgage Broker Does to Find You the Right Mortgage
The first step is to complete a simple fact find with us. This will include some basic information plus your income, address history, and contact details.
We’ll need to know your financial history and we’ll ask for your credit report to check your credit score and the details of your current and past commitments. Regardless of whether you have a good or bad credit rating, your credit report contains important information to help us when searching the mortgage 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.
We’re Here to Help You Get the Mortgage Offer You Need
If you’re looking for help with any of the following mortgages or are struggling to get a mortgage for any reason, our mortgage advisors are here to help.
We have direct access to every lender in the UK and pride ourselves on finding solutions where other mortgage brokers have failed. Our team loves a challenge! It gives us great job satisfaction when we finally source a mortgage offer that a customer thought wasn’t possible; it’s why we do what we do.
Mortgages That a Specialist Mortgage Broker Can Help You With
We can help our customers to find the following kinds of mortgages:
- High Debt To Income Remortgage
- Remortgage For People with Bad Credit
- Remortgage To Clear Credit Cards and Loans – Debt Consolidation Remortgage
- Mortgage with CCJ’s (County Court Judgement)
- Mortgage with Defaults
- Mortgage with Self Employed Income
- Mortgage for Limited Company Directors
- Debt Management Plan Mortgages
- First Time Buyer Mortgages With Little Or No Credit History
- Mortgage With Late or Missed Payments
- Bad Credit Mortgages
- Adverse Credit Mortgages
- Specialist Mortgages
OUR PROMISE
At A Little Mortgage Advice, 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!