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

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.

Based on 25 reviews
Pat Traynor
Pat Traynor
2022-10-15
Paul was very helpful in sourcing the best equity release deal at a time of sudden increases in interest rates. He kept me Informed during the process and was always available to answer questions. I raised the money to help my daughter buy a bigger flat.
Tim Whitcher
Tim Whitcher
2022-10-09
Very professional and personable, Paul always had the time to ensure that we understood everything and that we got the best deal possible that was right for us.
Cally Bravington-Smith
Cally Bravington-Smith
2022-09-21
Paul has been exceptional during the course of this year helping us buy our next property, his support and guidance through a lengthy and tricky transaction was second to none. Paul is very personable, and unlike many other brokers would work outside the normal 9-5. Always had our best interests in the forefront. Highly recommend 🙂
Charlotte Faucher
Charlotte Faucher
2022-09-19
Benefiting from Paul's expertise to help us secure our first mortgage was very precious. Paul was always available to answer any query we had, and he submitted our application very quickly once we had gathered our documentation. I've already recommended the company's services to friends!
Louisa Smurthwaite
Louisa Smurthwaite
2022-08-03
Paul helped me find a new mortgage. His knowledge was invaluable. Adding to this, he was extremely patient with me while we navigated some complex decisions. Thanks Paul, amazing service!
Sinead Ennis
Sinead Ennis
2022-07-18
The whole process of getting the right mortgage was made easy, with continued support all the way through. Highly recommended.
Daniel Lee
Daniel Lee
2022-06-17
My girlfriend and I are buying our first home and Paul has been absolutely fantastic every step of the way. He’s knowledgable, friendly and very approachable, regardless of the time of day, even replying to emails at gone 9 o’clock at night! Would definately recommend and will definately be using in the future!
Chris Healy
Chris Healy
2022-06-13
Paul has been incredibly helpful and informative every step of the process of me owning a property, as a first time buyer there was I lot I didn't know and he's really gone the extra mile for me.
Paul Ho
Paul Ho
2022-04-15
Paul's dedication, expertise and attention to detail was instrumental in securing the deal for my house purchase. In my opinion his fees was money very well spent, and would recommend him without hesitation.
Panos Savvas
Panos Savvas
2022-04-01
Paul worked with me and my wife to find the right mortgage and insurances needed for our new home. He's is very knowledgeable and professional. I never felt rushed or uniformed. He really went out of his way to ensure we had all the information we needed and guided us through the process. Beyond that Paul went above and beyond in working with our conveyancer and the estate agent to assist in our exchange and completion. I would not hesitate to recommend him or use him again in the future.

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

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

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

credit score

💳 Debt Management Plans

💰 IVA/ Bankruptcies

🚨 Defaults

📈 Past or current Payday loans

💷 Late payments

⚖️ County Court Judgements

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

mortgage broker help

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 

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

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

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✅ 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