Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Specialist adverse credit mortgage advice for clients with CCJs, defaults, IVAs, DMPs or missed payments. A blip in your credit history does not rule out a mortgage. It just means you need a broker who works in this market every day.
High-street lenders run automated credit checks that reject anyone with adverse markers, regardless of circumstance or recovery.
Each declined application adds another search to your file, making the next lender more cautious than the last.
Being told adverse rates are 'double the high street' when in practice the gap is usually under one percentage point.
We check your position with specialist lenders using soft searches that leave no footprint on your credit file.
We apply only where we're confident of approval, protecting your file and shortening the path to completion.
You'll know the realistic rate range before you apply. No surprises, no marketing claims.
A clear list of CCJs, defaults, IVAs or missed payments, with dates and current status (satisfied or unsatisfied).
Six months of clean current account statements showing your finances are now in order.
Your deposit, target loan and the property you want to buy, so we can match you to the right specialist.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Adverse cases need brokers who understand both the credit profile and the specialist lender panel. Our senior team places cases others decline, every week.
No. We use soft searches for initial checks, which leave no footprint. We only apply formally where we're confident of approval.
You'd be surprised. Discharged bankruptcy over a year, multiple satisfied CCJs, active DMPs, IVAs and recent defaults are all placeable. The broker matters more than the adverse itself.
Most adverse products sit at 85 to 90 percent LTV, so a 10 to 15 percent deposit. Lower than many brokers suggest.
Typically 0.5 to 1.5 percentage points above the high street, depending on severity and recency. Usually a smaller gap than expected.
Sometimes yes. We'll tell you honestly if a six-month wait would dramatically change your options. Often, though, waiting offers no advantage.
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