Bad Credit Mortgages in Essex

Get A Mortgage With Bad Credit In Essex

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Bad Credit Mortgages in Essex

Helping You to Find the Best Possible Mortgage Deal

Having bad credit may limit your options when it comes to mortgages, but it doesn’t mean that you can’t obtain one. Here at A Little Mortgage Advice, we’re here to match you to lenders offering bad credit mortgages in Essex. We believe everyone should be able to achieve home ownership, and we’re passionate about securing our clients the best possible deal. If we can’t find a mortgage for you, you won’t have to pay us a penny.

Here’s everything you need to know about a bad credit mortgage in Essex, and how we can help you.

Our specialist mortgage advisor can help.

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Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it

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Bad Credit

County Court Judgements (CCJs)
Missed/Late Payments
Debt Management Plan (DMP)
Too many hard searches 
Excessive borrowing/large amount of debt
An Individual Voluntary Arrangement (IVA)
Debt Relief Order (DRO)

If you answer yes to any of the above you may think that it is not possible to be accepted on a mortgage application.

But with A Little Mortgage Advice we can help find you a mortgage to fit your circumstances.

How We Can Help

As a specialist independent mortgage advisor we work with lenders who specialise in bad credit mortgages.

There are a wide range of specialist lenders with specific eligibility criteria who may suit your circumstances.

Our team at A Little Mortgage Advice will discuss your situation and advise you on the best solution for you to proceed with a mortgage.

Why Choose A Little Mortgage Advice?

Specialist Advisor

We are a specialist independent mortgage advisor. This means that we work with all lenders and search the whole market to find you the correct mortgage product.

Personalised Service

As a small independent company you will be speaking directly to a mortgage advisor. We dedicate the same time to every client.

5 Star Reviews

Every client and phone call is important to us. We pride ourselves on offering a 5 star service every-time.

No Obligation Quote

We offer a free no obligation quote and great advice throughout.

What is a Bad Credit Mortgage?

These kinds of mortgages are for individuals with poor or limited credit history. Lenders will consider you a higher risk than compared with someone with a good credit score, and you can expect to pay more interest and need to have a larger deposit. More and more lenders are becoming open to offering mortgages to those with bad credit, so with our help, there is every chance you could be on the path to home ownership.

Are There Benefits to Bad Credit Mortgages in Essex?

If you don’t want to wait until your credit score improves to buy a home, then a bad credit mortgage could be a great option for you. You’ll then be able to reap all the rewards of owning your own home, and even improve your credit score over time as you meet your monthly repayments! Your broker will look at your case and discuss how you especially could benefit from applying for a mortgage now, taking your unique circumstances into account.

Choosing Our Bad Credit Mortgage Essex Team

We believe that everyone should be given a chance to apply for a mortgage, even those with bad credit. Our team are open-minded and compassionate, and will really get to know you before turning to lenders who may be willing to accept your application. When you choose us, you’ll benefit from direct access to every lender in the United Kingdom. This includes all subprime and adverse lenders, and we speak with their underwriters regularly. This means that we have a great chance of securing a mortgage for you, even if you have been turned down previously.

Talk to Us Today

To find out more about us and what makes us the specialists in bad credit mortgages Essex property hunters trust, please do get in touch today. We’re here to answer your questions and give you all the information you need, allowing you to proceed with confidence. We act with transparency at every stage, keeping you in the loop and giving you peace of mind.


Will I need a bigger deposit?

Having a bad credit rating means that you may sometimes need to have a bigger deposit. This is because some lenders may see you as a bigger risk, and if you have a larger deposit you won’t have to pay back as much. Higher interest rates are also common.

Looking for a 95% mortgage? It can be tricky to find a lender who is part of this mortgage guarantee scheme and able to lend to people with bad credit. However, the lenders on the scheme will use the same affordability and eligibility criteria as any other mortgage, so you could still be able to secure a mortgage with a lower deposit. Again, this will depend on your individual case.

How do I know if I have a bad credit score?

Getting to grips with the details of your credit score can be daunting, and it’s easy to be confused by all the facts and figures out there. As a general rule of thumb, using a scale of 300 to 850, a bad credit score is one that is below 670. If, after checking your credit score, it falls below this number, you will be looking for a bad credit mortgage.

The good thing is, your credit score isn’t something that is fixed. There are many things you can do to improve it, including building a solid credit history and making repayments on time. Remember, zero credit history also goes against you.

Will I need a guarantor?

Some lenders will only offer you a mortgage if you have a guarantor – but what is this? A guarantor is someone, usually a parent or an older relative, who will be able to guarantee that payments will be made if you are unable to keep up with them. To put it simply, they are agreeing to step in and pay your mortgage for you if you cannot do so.

Not all bad credit mortgages require a guarantor. To find out more about the options available to you, please get in touch with our team today.

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The Benefits of Working with a Mortgage Broker for Bad Credit Applicants