Looking to get a mortgage but you’ve got a low credit score?

A low credit score or previous adverse showing on your credit file can stop you getting a mortgage

We have the knowledge and lender access to help you get a mortgage even if you’ve had bad credit or past payment mistakes. Whatever your situation we will have access to lenders who can consider your situation. 

The first thing lenders will check when considering your mortgage is your credit score and credit history. This will show your payment history, current debt levels, account conduct and if anything has gone wrong the finer details of that.

➡️ Click here to contact us now so we can help you reduce your monthly outgoings

Based on 14 reviews.

Rebecca surin

2022-03-24

Working with Paul has been an absolute pleasure. He is extremely knowledgeable, conscientious, and responsive. I don't think I would be in the position I am (buying my first flat!) if it wasn't for his help and guidance. Highly recommended.

Elvis

2022-03-22

Paul was professional and efficient. Clearly very experienced and understands the nuances of the mortgage world. Very happy with the service provided and would certainly recommend.

olivia davis

2022-03-20

We are first time buyers and have Paul walking us through this process and we couldn't have asked for anyone better! He has been very friendly and approachable throughout and keeps in contact often to make sure everything goes as smoothly as possible and to answer any question we have. Highly recommended this company to anyone moving !

Dominic Lake

2022-03-20

My partner and I are first time buyers so we knew absolutely nothing about houses and how to get one. Paul has been our mortgage advisor and has been extremely insightful and helpful throughout the process and I couldn’t recommend him more.

Darryl Worbey

2022-02-24

Would highly recommend Paul to anyone, he went the extra mile for me. If I went to the lenders direct I wouldn’t have got my mortgage due to my situation but Paul with his contacts allowed us to get my mortgage. He also treated my money as it was his own which is what you want when buying a house. Thank you again Paul

Kelsey Downey

2022-02-24

Josh Benfield

2022-02-14

Paul worked with us on our first property and I don't think we could have asked for a more conscientious and supportive advisor. We had a couple of issues with parts of the process and Paul was there each step of the way to guide us and step in to ensure that things worked out. Each communication we had was thoroughly carried out and we felt clued in throughout. Would highly recommend to anyone!

Kate S

2021-12-22

Paul Tait has been a fountain of valuable advice and knowledge throughout our mortgage process. He is friendly, professional, highly intelligent and has taken all the hassle out of what could be a very stressful experience. We wouldn’t hesitate to recommend Paul and we will definitely call on him in the future.

Florian

2021-10-25

Very pleased with Your Property Financial Services - professional and efficient service throughout the entire process.

L Ek

2021-10-17

Complete your details below and we’ll be in touch to help you with your enquiry 

There are numerous reasons you can have a low credit score:

💳 Debt Management Plans

💰 IVA/ Bankruptcies

🚨 Defaults

📈 Past or current Payday loans

💷 Late payments

⚖️ County Court Judgements

➡️ Let us help you now

With access to over 80 lenders we will search the market to find the best mortgage terms for you and help arrange everything for you

We take the stress out of finding a mortgage that is just right for you and helping you buy your new home. 

We will present you with a Mortgage Certificate 📝 confirming that we’ve reviewed your situation in full so you can present this to the estate agents to confirm you’re mortgage ready and can start offering on the home you want to buy 😃

Complete your details below and we’ll be in touch to help you with your enquiry 

Your broker here to help

Our team of brokers are specialists with helping you navigate any of the above points and to ensure we help get you the best mortgage terms available to you. Anyone can have credit issues and this is very common so don’t worry, we will quickly be able to get you moving in the right direction with a lender who understands your circumstances. 

Often the lenders will make assumptions or even worse let the computer make the decision on whether to lend to you, this is where we step in to ensure you get the correct consideration for your application and we help present your application in the best light, increasing your chances of acceptance on your first application. 

Our team of mortgage brokers are here and ready to assist you and we can speak at a time convenient with you and even speak over zoom if you prefer a face-to-face interactions with your advisor. 

Why choose us

✅ Access to over 80 lenders so you will get the best rates available with many of these lenders not available on the high street which are exclusive to brokers

✅ Experienced advisors, so you’re in the safe hands of our advisors who will be able to assist whatever your circumstance

✅ Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward

✅ We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you