adverse credit mortgages

Looking For A Mortgage With Bad Credit?

  • CCJs, Defaults & Missed Payments Considered
  • Access To Lenders Who Consider Adverse Credit
  • Fee-Free Mortgage Quote With No Obligation
SPEAK TO A MORTGAGE BROKER
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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Why choose us

Specialist Adverse Credit Mortgage Brokers

  • Access to specialist lenders that consider adverse credit
  • Expert advice tailored to your circumstances
  • We handle the paperwork and lender communication
  • Support from application to mortgage offer

Save Time

No need to approach multiple lenders yourself. We'll compare suitable options, prepare your application and manage the process on your behalf.

Improve Your Chances

Our advisers understand which lenders may consider CCJs, defaults and missed payments, helping you avoid unnecessary applications.

Access Specialist Lenders

We compare mortgage options from a wide range of lenders, including those that may be available to borrowers with adverse credit.

100% of reviewers recommend

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What we can help with

Specialist mortgage solutions for a wide range of credit circumstances.

  • Mortgages With CCJs
  • Mortgages With Defaults
  • Mortgages After Missed Payments
  • Mortgages With A Low Credit Score
  • Remortgaging With Bad Credit
BOOK YOUR FREE CALL
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What ghldirect does

Specialist adverse credit mortgage advisers helping clients secure mortgages every day.

  • Access to lenders who consider adverse credit
  • Expert guidance tailored to your circumstances
  • We compare 1,000s of mortgage deals on your behalf
  • Support with your application and supporting documents
  • Appointments available 7 days a week, 8am–8pm
BOOK YOUR FREE CALL
we have answers

Adverse Credit FAQs

Yes, having bad credit doesn't automatically mean you'll be declined for a mortgage. Many lenders consider applicants with CCJs, defaults, missed payments or a low credit score, although the options available may vary depending on your circumstances.

It may still be possible to get a mortgage if you have a CCJ. Lenders will usually consider factors such as the value of the CCJ, whether it has been satisfied, and how long ago it was registered.

This is because lenders view IVAs as a sign of financial difficulty which therefore makes you a higher risk borrower.

As a specialist mortgage adviser we work with many lenders and will be able to advise on the right solution for your circumstances.

Yes, some lenders are willing to consider applicants with defaults. The number of defaults, the amounts involved and how recently they occurred can all affect the mortgage options available to you.

The deposit required depends on your individual circumstances and credit history. In general, a larger deposit can improve your chances of approval and may help you access more competitive mortgage rates.

It can. Some lenders may charge a higher interest rate to reflect the additional risk. However, rates and lender criteria vary significantly, which is why comparing options is important.
A specialist mortgage broker can assess your circumstances, identify lenders that are more likely to consider your application, and guide you through the process from application to completion.

Get A Mortgage

Having a CCJ, default or low credit score doesn't necessarily mean you can't get a mortgage, speak to an adviser today.

Book your call