Do you have a low credit score or an adverse credit profile?
Our specialist mortgage advisors can help.
Adverse Credit Mortgages
Do you qualify for a specialist adverse credit mortgage:
Missed, late payments or defaults
Defaults or CCJs
Debt management plans
Bankruptcy or IVA
Missed mortgage payments
If you answer yes to any of the above you may have found it difficult to be accepted for a mortgage. Our specialist adverse credit mortgage brokers are here to help.
At A Little Mortgage Advice we have access to lenders from the whole of the market including all specialist lenders who accept poor credit history.
How We Can Help
As a specialist independent mortgage broker we work with lenders who specialise in customers with low credit.
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.
Check to see if you qualify for an adverse mortgage by completing our form below.
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Get Your Credit Report
Get 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 reports.
Click the link below to start your 30 day no obligation free trial.
*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?
We are specialist independent advisors. This means that we work with all lenders and search the whole market to find you the correct mortgage product.
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.
SPECIALIST MORTGAGE ADVICE
If you are struggling to get a mortgage or remortgage, it may be that you need a mortgage broker that can match your unique criteria to a specialist mortgage lender. High street banks, even if they are your existing lender, don’t like unusual cases, they like the vanilla customers, people with good credit profiles, a steady job with PAYE income and they don’t like it if you have a lot of outstanding credit or bad credit in the background.
Even if you have a low credit score, it doesn’t mean you can’t get a mortgage from a high street lender. There are some high street banks and building society’s that are willing to accept a small amount of poor credit. You may have approached one that wouldn’t accept your credit history, but we know the ones that might. We will 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
When you are not quite vanilla and have a bit of a colourful credit history, this is where we as a Specialist Mortgage Broker will be able to find the right solution for you, and apply for a mortgage on your behalf.
Our Expert Mortgage Brokers are experienced in dealing with customers that have credit issues, people that 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 broker team is experienced in dealing with unique and difficult situations, we are always up to date with every specialist lenders ever changing mortgage criteria. We speak with their Underwriters regularly and often manage to get exceptions granted for people with extremely challenging credit histories or complicated income scenarios, as long as we can get a good reason for what has happened.
WHAT A SPECIALIST BAD CREDIT MORTGAGE BROKER DOES TO FIND YOU THE RIGHT MORTGAGE
You will be asked to complete a fact find with us, basic information plus 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 know what information your credit report has so we can start searching the entire mortgage market for you for your mortgage or remortgage application.
WE ARE HERE TO HELP YOU GET THE MORTGAGE OFFER YOU NEED
If you are looking for help with any of the following mortgages below, or are struggling to get a mortgage for any reason, we are here to help you.
We have direct access to every lender in the UK and pride ourselves on finding solutions where other Mortgage Advisors have failed. Our team love a challenge, the job satisfaction we experience when we finally find a mortgage offer that our clients thought wasn’t possible is why we do what we do.
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
A Little Mortgage Advice will always do their best to find the perfect mortgage for you, with the best interest rate available for your circumstances.
If, for any reason, we are unable to get your mortgage straight away, we will provide you with a detailed plan of action to secure your mortgage or remortgage in the near future.