Specialist Mortgage Experts
Finding You the Right Specialist Mortgages
We’re experts in helping to source specialist mortgages for those struggling to get approved via more traditional routes. With the experience and knowledge of our specialist mortgage advisors, you’ll have the best chance of getting the mortgage you need.
Specialist Mortgages
Do you have a low credit score or an adverse credit profile? Perhaps you don’t fit the mould expected by many high street lenders? Then you may be eligible for a specialist mortgage.
Our specialist mortgage advisor can help.
01268 387898
Adverse Credit Mortgages
How do you know if you qualify for a specialist mortgage? Our specialist mortgage brokers can help you if you’ve struggled with:
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 who do not meet ‘standard’ criteria.
How We Can Help
As a specialist independent mortgage broker, we work with lenders who specialise in customers with low credit or other factors which set them apart from your average buyer. We have access to a wide range of specialist lenders with diverse eligibility criteria who may suit your circumstances.
Once you get in touch with A Little Mortgage Advice, we’ll discuss your situation and advise you on the best solution for you. Our specialist mortgage advisors are here to help you every step of the way.
Check to see 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.
Specialist Mortgage Advice
If you’re struggling to obtain a mortgage or remortgage, a mortgage broker that can match your unique circumstances to a specialist mortgage lender can help. High street banks (even your existing lender), are less likely to approve lending for borrowers with unusual circumstances. They’re ideally looking for people with good credit, and a steady employment history.
Just because you have a low credit score, it doesn’t mean you can’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 an adverse mortgage broker like us 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, so you can access a mortgage that you assumed was out of reach.
Specialist Mortgages
When you don’t meet the ‘standard’ lending criteria of high-street banks or building societies, this is where a specialist mortgage broker can help. We’ll be able to find the right mortgage solution for you and then apply on your behalf.
Our expert mortgage advisors are experienced in dealing with customers 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 unique and complex situations, and we keep up to date with our network of specialist lenders’ ever-changing mortgage criteria. We speak with their underwriters regularly, and we‘re often able to get exceptions granted for complex cases, as we’ll be able to provide evidence and explanations for everything a lender might question.
What A Specialist Bad Credit Mortgage Broker Does to Find You the Right Mortgage
You’ll be asked to complete a questionnaire when you first get in touch with us. This will include basic information plus your income, address history, and contact details.
We’ll need to know your financial history and will 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, we want to build a complete picture of your report. This is so we can start searching the entire mortgage market for you for your new mortgage or remortgage application, to find a deal that suits you.
We’re Here to Help You Get the Mortgage Offer You Need
Our specialist mortgage advisors are here to help you! We have direct access to every lender in the UK and pride ourselves on finding our customers solutions where other mortgage advisors have failed. Our team members thrive when they’re challenged. The job satisfaction we experience when we finally source a mortgage offer that our customer thought wasn’t possible, makes all the hard work worthwhile.
Mortgages That a Specialist Mortgage Broker Can Help You With
- 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
Here 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 help you secure a mortgage or remortgage deal in the near future. Plus, if we’re unable to help at this stage, you won’t have to pay us a penny!
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.