Bad Credit Mortgages
GOOD PEOPLE,
BAD CREDIT
Some banks and mortgage brokers will make you feel like a bad person when they refuse to give you a mortgage. Automated online mortgage advisors won’t judge for themselves. It’s a case of: Bad credit = Computer says ‘No’. We don’t think that’s fair. So we’ve developed a solution.
Our platform uses a clever algorithm to match you to the perfect bad credit mortgage broker for your unique situation. Someone who’s up for the challenge, and has a proven track record of making bad credit mortgages possible for people like you.
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How it works
We know nothing replaces humans when it comes to understanding individual needs and circumstances. Not every customer is the same, so we match you with your own specialist broker, someone with a track-record of helping people in your situation. Dealt with by people, not robots.
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GOT QUESTIONS?
Here’s a few frequently asked questions about bad credit mortgages.
What is bad credit?
‘Bad credit’ is a phrase often used to mean you’ve got a low credit score. Your credit score is a number between 0-999, depending on which credit reference agency you use. The higher it is, the better your credit score is, the lower it is, the worse your score is.
A low credit score means you’ve had credit issues in the past that have negatively affected your score. You can have a low credit score for loads of reasons. For example, missing a payment or paying it late.
There are three main credit referencing agencies in the UK – Experian, Equifax and TransUnion.
Each of these agencies can give you a credit report, but they may all show you different information. That’s why we recommend using checkmyfile because that gives you a report that shows the information from all three credit referencing agencies alongside each other. It’s the most thorough way to see what’s in your credit file.
Each agency also has its own score system. For example:
Experian gives a credit score out of 999. They class a 'good' credit score to be anywhere between 881 and 960. And a 'fair' or ‘average’ score is between 721 and 880.
Equifax gives a credit score out of 700. They class a ‘good’ credit score as anything that's 420 or above.
TransUnion gives a credit score out of 710. Scores between 604-627 are considered ‘good’ and scores of 628 and above are considered ‘excellent’.
Can I get a mortgage with a bad credit history?
Yes, you absolutely can. When you make an application, lenders run a credit check against your name to decide your level of ‘risk’, which means the likelihood of you making your repayments every month.
If they decide you’re a ‘high-risk’ borrower because of bad credit, you could:
Have your application rejected
Need to put down a higher deposit (due to higher loan-to-value (LTV) being unavailable)
Only have access to deals with a higher interest rate
But by working with a specialist broker who has proven experience working with people who have credit issues, you can find a lender who is more likely to approve your application.
Some bad credit issues will have a bigger impact on your chances of getting approved than others. For example, a late payment to your mobile phone company won’t affect you as much as defaulting on a loan or going bankrupt.
What is a bad credit mortgage?
You can end up with a bad credit history for many different reasons. It could be a missed or late credit card or loan repayment, a payday loan or applying for multiple credit cards. Sometimes these things can result in CCJs, IVAs, a debt management plan or even bankruptcy. All of these can affect your credit score. Having a bad credit history can make it more difficult to get approved for a mortgage, but it’s still possible.
There isn’t a dedicated bad credit mortgage product – but there are specialist lenders who have more experience giving mortgages to people with bad credit than others. You just need the right specialist mortgage broker to get you the right lender.
How much deposit do I need for a bad credit mortgage?
The kind of deposit you’ll need will depend on your individual situation and the kind of bad credit you have. For example, if you’ve had a repossession in the last few years, you could be asked to put down a deposit of around 25-30%, depending on the details of your repossession. If your bad credit is due to something like being on an individual voluntary agreement (IVA), you could be asked to put a deposit down of around 15-25%.
In the UK, the minimum deposit you can put down is 5% of your property’s value. If a lender considers you ‘risky’ – for example, you have a bad credit rating – they might want you to put down a higher deposit, but it will depend on your individual circumstances.
Higher deposits often signal to a lender that you’re good for the money and it makes them a lot more likely to lend to you.
A higher deposit also means you can reduce your monthly repayments. So if you can afford a higher deposit, it’s often a benefit that will improve your chance of being accepted for a mortgage.
How does having a poor credit score affect my mortgage application?
A poor credit score can mean that there are fewer mortgage lenders available to you. Always be prepared to discuss and explain your credit history with your mortgage broker who’ll explain the situation to lenders when they’re making an application for you. A lot of mainstream lenders don’t accept people with bad credit, but it just means you need to find the right, specialist lender instead.
Depending on your specific situation, you might find that your interest rate is higher and that you’re asked to put down a larger deposit when buying your home. But speaking to a specialist mortgage broker who can find you a specialist lender means you’re likely to find the right mortgage for you.
What other factors besides bad credit affect my mortgage application?
Lenders all have different lending criteria. The other factors a lender will look at to decide if they will consider giving you a mortgage are things like:
How old you are: Some lenders have age caps on who they’re willing to lend to. They might not want to lend to people who are young, or older. Some lenders don’t have any age caps as long as you can prove you’re able to pay the mortgage.
Your income and outgoings: Most lenders will want to know what your income is. They want to know you have a stable income so they can decide how much they’re willing to lend to you.
The size of your deposit: If you have bad credit, most lenders will want to see a larger deposit on the property. That’s because they’ll want to reduce the perceived ‘risk’ of lending to you. A larger deposit means less risk to them.
How will my salary affect my mortgage application?
Whether or not you have bad credit, your salary or earnings will always be a factor when you’re applying for a mortgage. That’s because all lenders will have criteria for checking you can afford the property you’re wanting to buy.
Most mortgage lenders tend to not offer anything much higher than 4.5x your annual salary or income, and this will depend on your own affordability and individual circumstances. And they tend to not offer anything much higher than 4.5x your income or salary.
Usually, having a larger income will mean you will have access to more mortgage options, but if you have bad credit and you want the highest loan possible, you’ll have to find a lender who is willing to give you the highest multiple of your income.
Having a low income and bad credit can make it seem impossible to get a mortgage, but there's still plenty of options open to you. You could get a guarantor mortgage, take a look at the government’s shared ownership scheme or joint ownership with someone else.
Do all lenders accept applicants with a bad credit history?
Sadly not. If you have a bad credit history, many lenders just aren’t set up to deal with bad credit mortgages. So some just won’t consider you. But there are plenty of lenders who will consider you. Some lenders are specialists, and they don’t offer mortgages directly to borrowers. Some mainstream lenders like highstreet banks will consider you, but not all of them.
Automated online mortgage advisors will usually decline you as soon as they detect your bad credit. So it’s always best to speak to a real person.
Working with a specialist bad credit mortgage broker is always a good idea because they’ll do two things: they’ll look at your unique situation in detail to understand your bad credit history and they’ll know the specialist lenders who will consider your application.
Which lenders offer bad credit mortgages?
There’s plenty of lenders who’ll consider you if you have bad credit. It’s a myth that you can’t get a mortgage with bad credit. All elders will want to know the details of your credit history – the reason for your bad credit, the age of the issues and the severity. They’ll use that information to decide what kind of mortgage rates to offer you.
We work with specialist lenders who’ll consider you if you have bad credit. Some you’ll know, some you won’t.
What credit score do I need to get a mortgage?
There isn’t a specific score you need to be able to get a mortgage. That’s because you have a different credit score depending on where you check it. For example, if you check your score with Experian, your score will be out of 999, but if you check with Equifax, it’ll be out of 700.
Read more in our Guide: What credit score do I need to get a mortgage?
How does bad credit impact mortgage repayments?
When a lender looks at your credit history, they’ll decide based on the information they have what kind of mortgage rate they want to offer you. They’ll decide the rate based on how likely they think you are to pay late or miss payments.
If they think you’re likely to miss payments or pay late, they’re likely to put you on a higher interest rate (APR) and this will increase the cost of your monthly mortgage repayments.
You can use our repayments calculator to see how a higher interest rate could change how much your mortgage costs each month.
What is a bad credit score?
A bad credit score depends on which credit reference agency you check your score with. A bad credit score is classed as being in the category ‘Very Poor’, or ‘Poor’. But scores and categories differ from credit agency to credit agency. Use the table below to see how they can be different depending on which agency you use.
Read our Guide What is a bad credit score? for lots of information on bad credit scores, good credit scores and everything in between.
Experian | Equifax | TransUnion | |
Excellent | 961-999 | 466-700 | 628-710 |
Good | 881-960 | 420-465 | 604-627 |
Fair | 721-880 | 380-419 | 566-603 |
Poor | 561-720 | 280-379 | 561-565 |
Very Poor | 0-561 | 0-279 | 0-550 |
How can I check my credit score?
To get a thorough and full report you should use checkmyfile.
There are three main credit reference agencies in the UK. Each of these major credit checkers will show you slightly different information. That’s because it depends on who they have affiliations with.
For example, if you have a utility account with British Gas and miss a payment, British Gas might have an affiliation with Experian but not TransUnion. So your credit score would be lower when you check on Experian than if you checked on TransUnion.
We partner with checkmyfile because it’s the only credit report that shows you all three of these credit checkers in one report. So you get a complete view of your entire credit history.
Sign up by following this link to checkmyfile and get a 30 day free trial so you can download the most thorough credit check available to you, for free.
If you notice anything that looks to be inaccurate or that you feel should be disputed, this allows you to put things right.
It’s a good idea to get a copy of your credit before you make a mortgage application, or get a Decision in Principle (DIP). Your broker will chat you through your report and explain what will help or hinder your mortgage application and give you your options.
How can I improve my credit rating?
Here are some top tips for improving your score:
Get a full credit check from checkmyfile and go through it with your mortgage broker. They’ll help you understand your credit history and advise you on what will help your individual situation.
Pay off any outstanding debt in full (including credit cards, loans, and similar). If that’s not possible, just pay as much as you can.
Make sure you’re listed on the electoral roll.
Consider reviewing the number of credit cards and accounts you’ve got open. Even if they don’t have outstanding balances.
Use your available credit in a sensible way. For example, make small purchases on your credit card and pay off the balance in full each month. That can help build your score because it shows that you’re making repayments on time.
Another option is to wait until bad credit issues like CCJS or IVAs are removed from your file.
Can I get a mortgage with a 550 credit score?
It’s absolutely possible to get a mortgage with a score of 550. You can get a mortgage even with a very low credit score. The lower your score, the less options you could have, but it’s still possible to get a mortgage.
Read more in our Guide: What credit score do I need to get a mortgage?
Why use Haysto?
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
We help when others won’t
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
Speak to a real person
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
Your success is our success
Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.
SAY HELLO TO YOUR SPECIALIST BROKER
Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.
Ben Patten
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Luke Grosse
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Sarah Earnshaw
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Yogesh Parekh
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Jemma Talliss
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Paul Clark
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Lynn Cutts
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Steve Hatton
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Jeanette Clark
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Carrie Knight
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Jonathan Hunting
View bioBen Patten
Ben’s a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker with over 20 years experience in financial services. He takes huge pride in getting his clients the best possible outcome. He has access to many specialist lenders that require an introduction from a financial professional so he can help even very complex adverse credit cases.
Ben’s specialist area is adverse bad credit, situations like late payments, CCJs, defaults, bankruptcies, IVAs and debt management plans. He also specialises in getting self-employed clients on the property ladder and can help limited company directors, contractors, bridging, second charges, as well as being able to organise insurance like life insurance, critical illness protection, income protection, and family income benefit.
Ben says:
“I have over 20 years experience in financial services, specialising in adverse credit. Within this time I have developed a great knowledge about the challenges that people face and what impact this can have on their lives as well as their finances. My role is not to judge, as people sometimes do, I support and empathise with my clients and enjoy finding the most suitable and best solutions for their needs.”
“Would like to thank Ben Patten for his fantastic service. We knew finding us a mortgage was going to be tricky, but he managed to find us the perfect one for our current circumstance which has meant we have been able to reserve our dream “forever home” A special thanks to Ben as he was there for us night and day with any queries we had and helped put our minds at rest!”
“What a Fantastic Service from start to finish. Great customer support from Ben Patten, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend, they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time.”
Luke Grosse
Luke’s a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who specialises in adverse credit and complex situations. He’s passionate about helping clients who have struggled elsewhere to get a mortgage – he’s not afraid of a challenge.
Luke specialises in getting mortgages for clients who have a history of late payments, defaults, CCJs, IVAs, debt management plans and mortgage arrears, as well as being a specialist broker for self-employed clients and mortgage protection.
Luke says:
“I have 6 years in financial services in differing roles so I understand the impact finances have on everyday life. I specialise in helping people with adverse credit. I always want to fully be there to help my clients. There is no greater feeling than calling a client who never thought they would be able to get a mortgage, to tell them that their mortgage has just been offered. In my spare time, I am a huge American Football fan so I love relaxing after a hard week to watch a game.”
“I started my mortgage journey thinking I could never get a mortgage, well if I did it would be a long time due to a few mistakes I made back when I was a student. I finally came across Luke Grosse. After months of searching things couldn’t have gone smoother on his end, he got me a mortgage offer. Easy to talk to, straight forward, explained everything in detail while being patient. Couldn’t recommend Luke any higher as my experience with him was fantastic. Finally completed my purchase today and now I am a homeowner with my fiancé.”
“Fantastic experience, from Luke Grosse for my mortgage application. With me thinking I wasn’t ever going to get one, 8 months later I am now in my house and a proud homeowner! If you are on the fence about using this company, then really look no further. Give them a call and start your journey!”
“We cannot fault the service we have been given by Luke Grosse, excellent communication and very fast process. We highly recommend. Thank you.”
Sarah Earnshaw
Sarah is a CeRER and CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker. She’s worked in the mortgage world for over 20 years. Starting as a cashier in a bank and worked her way up to leading a team of 20 mortgage advisors to give the best quality advice.
Sarah specialises in self-employed mortgages, as well as bad credit cases and new builds.
Sarah says:
“I especially enjoy helping self-employed clients, because it can be complicated for clients to work out what income they can use. And I like helping them with that. Recently, a highlight for me has been helping clients who have been affected by COVID-19 to get a mortgage. I just helped a self-employed client who had been point-blank refused a mortgage elsewhere, but I got them an offer by using their latest highest years accounts. This led to a family moving from a small boat, where they were overcrowded with 2 children, into their first ever home on land!”
“Thank you for all your help you have given me since getting my first mortgage, everything is always very smooth sailing when dealing with you, your communication and customer service is second to none, I would recommend you every single time. Absolute top service from start to finish.”
“Sarah has been my Rock. I'd be lost without her quick thinking and responses. She found me a mortgage when I thought in lockdown nobody could have one. 100% she comes highly recommended”
“Sarah has been the most amazing support I could have asked for during an extremely hard time. She has kept me updated all the way through my mortgage process, offered me great advice and found me a fantastic mortgage for my daughter and I. Sarah is not only professional but personable too. I would recommend Sarah to anyone who needed financial advice. During COVID this was an added stress but nothing was too much trouble and she was there every step of the way to support me.”
Yogesh Parekh
Yogesh is a CeMap (Certificate in Mortgage Advice and Practice) qualified mortgage broker who has over 20 years’ experience working in the finance industry. Yogesh is committed to getting the best result possible for his clients, and always goes the extra mile to help.
Yogesh specialises in all forms of complex mortgages like Help-to-Buy, Right-to-Buy, concessionary purchases, debt consolidation, late payments, CCJs, defaults, bankruptcy, IVAs and Debt Management Plans (DMPs). He also specialises all forms of self-employed, such as helping limited company directors, contractors, and freelancers get their dream home.
He’s also an insurance broker who knows the market thoroughly. Yogesh can help with bridging, second charges, life insurance, critical illness, family income benefit and income protection.
Yogesh says:
“Every customer is unique and has their own specific requirements. Every customer is special and whenever I get a result for a customer I feel a sense of great personal satisfaction that I have helped the customer come one step close to their dream.”
“An absolutely fantastic and professional service received from Yogesh he handled our case in the manner you would want. Even though it was a complex case, he went the extra mile in finding us the right product for us. And most of all he did what was right for us, kept us updated throughout the whole time, not just sell and make money for himself he found the best product for us and I give him 5 star service, thank you so much Yogesh will definitely come back to you.”
“Yogesh is my go to guy! I don't think there is anything he can't do! service was excellent from start to finish, and the whole process was a breeze. highly recommended!”
“Without a doubt, one of the most professional & efficient brokers I have come across in my years in business, I was dealing directly with Yogesh, throughout the whole phase of the mortgage, he kept me updated & managed to source us the best package that was on the market. Thank you.”
Jemma Talliss
Jemma is a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who’s been a whole-of-market mortgage broker for 17 years.
Jemma’s extremely experienced with getting mortgages for her self-employed clients, first-time buyers, homemovers, Help to Buy, Right to Buy, concessionary purchases, remortgages and all kinds of bad adverse credit issues too. She can also help you with insurance like life insurance, critical illness protection and income protection.
Jemma says:
“I started my career specialising in Right To Buy mortgages and helping people to purchase properties and remortgage when their credit was impaired. I have years of experience in an ever-changing market. I like to keep my knowledge up to date, enabling me to continue to help and assist people in any area of their mortgage or protection needs. Looking for a mortgage can sometimes be a daunting prospect, especially if your circumstances are not straight forward, however I strive to make the process simple and less stressful where possible, and always give honest advice.”
“Jemma worked tirelessly to find us the best mortgage deal. Our case was not straightforward and she worked so hard to find the right mortgage for us and we are now living in our dream home all thanks to Jemma. She also sourced us the best life insurance policies and explained in depth the details, what we needed and why. Would highly recommend.”
“Well, where to start... I cannot rate Jemma highly enough!! She was the incredible advisor who successfully secured my mortgage. My particular case was less than straight forward (with it being a second home) and a few other issues, but Jemma, like me, was relentless in her pursuit of finding me a lender. We hit one stumbling block and one fell through (which was a sad/ stressful day) but as a woman taking it out on my own Jemma 100% understood how stressed I was and had found me another lender/ another AIP within 15 minutes. It was a battle, as my situation was. However, Jemma Talliss is proof that anything is achievable with the right experts. I cannot thank Jemma enough.”
Paul Clark
Paul’s worked on pretty much every specialist scenario there is. He’s a passionate CeMAP qualified (Certificate in Mortgage Advice and Practice) mortgage broker and has helped many people with difficult situations get on the property ladder.
He loves to simplify the mortgage process for his clients as much as he can, so it’s stress-free and easy to understand.
Paul specialises in bad credit situations, with a proven record of helping people with low credit scores, bankruptcies, CCJs, defaults, IVAs and DMPs.
He’s also helped many self-employed clients like contractors, those in a brand new job, or with only one year’s worth of trading history, first-time buyers and shared ownership clients.
Paul says:
“The reason I wanted to become a mortgage advisor is because I realised how complex it can be when I went through it myself. It’s so tough without any help. For me as a mortgage advisor, it’s important to be understanding, welcoming and above all, happy to help and answer questions, no matter how small they may be. My aim as an advisor is to build long-lasting relationships with my clients to continue to be their go to advisor for the rest of their mortgage future.
A career highlight for me was I once had a client who was in his 80s. His interest-only mortgage was ending and he was going to lose his house. Normally he would be too old for a standard remortgage but by researching the market and speaking directly with mortgage lenders, I managed to find him a lender so he could keep the family home for generations to come. That was a tough one but so rewarding. ”
“The level of service that we received from Paul Clark and the team was absolutely first class. We tried three other brokers before we came across Paul and none of them could help us, however, from our first phone call discussion with Paul, we could tell he knows his stuff. He took the time to present information to us in a relaxed, friendly and professional manner and he has been absolutely amazing. We recommend him to all our friends and family.”
“Fantastic! Our situation was a little more complex than most people but Paul Clark and Emily Grace where brilliant from the outset, always there to answer my questions and keeping us informed every step of the way. Fabulous and wouldn't hesitate in recommending them. Thank you so much!”
“Excellent service from Paul and his team, looked after us very well and have been very patient with our unusual case!”
Lynn Cutts
Lynn is a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who’s previous experience in the banking industry has proved invaluable for her clients. Her experience means she knows the process inside out and can always get the best deal for her clients.
Lynn is now a mortgage and protection Adviser who specialises in getting mortgages for clients with bad credit issues like bankruptcy, IVAs, Debt Management Plans (DMPs), mortgage arrears, CCJs, defaults and missed payments
She’s also a specialist in getting her self-employed clients mortgages too – anyone who has a complex income like limited company directors, clients who have changed their trading style recently and don’t have accounts for their new business and clients who need to use their net profit.
Lynn says:
“I’m able to deal with all types of enquiries, but I particularly enjoy complex cases...I like a challenge! I previously worked in a bank arranging commercial mortgages, so I have first-hand experience of the mortgage underwriting process. This has proved invaluable, as I’m able to position difficult cases with lenders in the right way, to stand the best chance of them getting approved. I’m not afraid to challenge underwriters either if I feel they’re being unreasonable.I will always fight my client’s corner. I strive to get the absolute best deal for my clients, and make the process as easy and stress free as possible. I’ve helped many people who were told they would never get a mortgage. I can’t tell you how rewarding that is, and I look forward to making more clients' dreams a reality.”
“I met Lynn 4 years ago in 2016, at this time despite having excellent credit myself, my partner did not and I was told by other financial advisors I would never get a mortgage with him due to his debt issues. Having originally started buying property on my own in 2007 and with us both having high incomes at this time, I just did not accept this situation and by complete luck I found Lynn online. Lynn made this dream of buying our house in London a reality. Not only does she have specialist knowledge of debt plans but she is transparent, honest, reliable and she "says what she does and does what she says". She manages client expectations in an excellent way. Lynn is whole of the market, and genuinely looks at all mortgage products to find the best deal. Working as a solicitor over the past 12 years, I have met many financial advisors but none do I trust the way we trust Lynn. She is a miracle worker and the best financial advisor you can get! Thank you Lynn we look forward to continuing to work with you.”
“Lynn went above and beyond her duties to ensure we were well informed and gave us very clear advice along every step of the application process. If there were any issues she dealt with them promptly, and her attention to detail made us feel very assured throughout the whole experience. I cannot recommend her enough to anyone seeking mortgage or protection services, and I will be recommending her to my friends & family. She deserves an award for the level of care and dedication she puts into her work.”
“I was having a hard time getting a mortgage due to losing a business, and having to go bankrupt. Lynn has been absolutely brilliant and I don’t think I can thank her enough. She has supported me every step of the way, and finally last week I got the keys to my house, and a cracking rate, which given my circumstances is brilliant. I would highly recommend Lynn!”
Steve Hatton
Steve is a highly experienced CeMAP qualified (Certificate in Mortgage Advice and Practice) mortgage broker who loves to help his clients when they’ve been turned down for a mortgage elsewhere.
He specialises in bad credit mortgages, which includes getting mortgages for his clients if they have a history of missed payments, CCJ's, defaults, debt management programmes, IVA and bankruptcy.
He also specialises in self-employed mortgages and has had clients in the past who were sole traders, limited companies, contractors, and those with only one year’s worth of trading history.
Steve also has helped clients who are expats, and has lots of experience in remortgaging too.
Steve says:
“I've worked in the mortgage industry for 15 years in various roles before becoming a dedicated broker in 2018. In that time, I've helped people from all different walks of life with varying circumstances and complexities. I’m married with 2 young girls, and I believe the home is the most important part of any family. So I take great pride in being able to help people achieve their dream.”
“100 % fantastic service, Steve Hatton was not only professional, but also super supportive and found the best mortgage for us .... thank you very much again.”
“We had a long journey buying our first home together and recent pandemic events didn't help matters. Every step of the way, our advisor Steve was supportive, positive and we had every confidence in him. He was able to arrange a good deal for us and we were able to move into our dream house this autumn.”
“Steve Hatton - first class service! Achieved what my partner and I had thought was the impossible! Lots of ups and downs along the way but such a personal service and today we completed on our new home! Couldn’t fault any of the process!”
Jeanette Clark
Jeanette is a specialist CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who loves a challenge. She specialises in all areas of adverse credit and self-employed mortgages and loves to help her clients get their dream home.
Her areas of expertise cover self-employed clients, buy-to-let and portfolio landlords, as well as first time buyers and remortgaging.
Jeanette enjoys helping clients who think they have no hope of owning a home. She especially enjoys helping first time buyers with their first homes.
Recently, Jeanette got a mortgage offer for a client who thought they’d never be able to afford their dream home, but she made it happen using the Help to Buy scheme.
Jeanette says:
“I have been a mortgage adviser for many years. It's the job I love. Finding a mortgage for people who have given up, or didn't think they would ever own their own home is a great feeling. Customer loyalty means a lot, when I complete a case for a customer, they automatically become a friend. I particularly enjoy being referred by customers to their own family and friends because it means I did a good job and they trust me. No two days are ever the same, and no two customers are ever the same, that’s what makes my job so rewarding.”
“I thought my life was over, but I'm going to provide my children with a home and start a fresh with your help.”
“We've used Jeannette for our initial mortgage and remortgaging; we've found their fees to be extremely low and I can 100% agree with their web-site statement that they go the extra mile - she genuinely does! We have an unusual working situation and Jeannette was able to find a mortgage for us after we were turned away by many high-street lenders. She's very diligent, friendly and open.”
“The whole process was quite easy and straightforward. I found that the fees were laid out in an easy-to-understand manner for a first time buyer like myself, and that my Mortgage Advisor, Jeannette, helped me to understand the process better. When I had questions, Jeannette responded clearly and quickly. Jeannette was recommended to me in the first place, and I'd certainly also do the same.”
Carrie Knight
Carrie is a very experienced and highly-qualified mortgage advisor. She has is FPC (Financial Planning Certificate) and MAQ (Mortgage Advice Qualification) qualified. Her qualifications means she can give you the best mortgage advice.
Carrie specialises in debt consolidation, remortgaging, adverse credit, late payments, payday loans, CCJs, defaults, bankruptcy, IVAs, Debt Management Plans (DMPs), self-employed, limited company directors, contractors, life insurance, critical illness protection, and income protection.
Carrie says:
“I have over 20 years experience in financial services, and have been a mortgage advisor for over 15 years. I specialise in adverse credit mortgages as I want to help people. I believe that we all make mistakes, but they shouldn’t define us. Mistakes shouldn’t mean we’re not entitled to the same options as everyone else.”
“Me and my wife could not be happier with the assistance we received from Carrie. We applied for a mortgage for our first home. Her clarity, knowledge and precision to detail made the process smooth and completely hassle-free. Carrie always explained the next step in the application process and broke-down structural/financial concepts in a way that made sense. Long story short - we got the dream home we wanted on a great mortgage that we feel confident tackling moving forward.”
“I would absolutely recommend Carrie to anyone looking for a mortgage to buy a home. Carrie was amazing at finding a mortgage and seeing everything through to completion. They were complete miracle workers! Especially during a time such as this in 2020!”
“Carrie was fantastic during our remortgage. I really appreciated all the advice and support they have given over the process. She was always patient with us and answered any questions and queries we had. She made sure we had everything we needed and found a product that was perfect for us. Really can't recommend her enough! Thank you.”
Jonathan Hunting
Jonathan’s a HND and CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker with 25 years experience in the finance industry.
He’s a dedicated family man who has a proven track record of getting people with bad credit a mortgage.
He also specialises in people who are self-employed, shared ownership cases, residential, buy-to-let, second charges.
Jonathan is also a protection specialist who can help get the right insurance for you.
Jonathan says:
“It’s so rewarding to help someone who’s been repeatedly turned down for a mortgage elsewhere. Sometimes clients think they have no hope of a mortgage before they come to me. I love helping them with solid advice and a specialist lender.”
“We had a fantastic experience with Jonathan. He was extremely knowledgeable about the best mortgages for our situation. I went from leaving a high street bank in tears thinking I would have to wait years to be able to obtain a mortgage, to a phone call with Jonathan the following day reassuring me he would help me have the house of my dreams within the year. He 100% delivered on this promise and was there to support us throughout the journey. We moved into our new build home at the start of November and are absolutely elated. We are now customers for life!”
“We had a fantastic experience using Jonathan Hunting, he was extremely knowledgeable about the best mortgages for our situation. I went from leaving a high street bank in tears thinking I would have to wait years to be able to obtain a mortgage, to a phone call with Jonathan the following day reassuring me he would help me have the house of my dreams within the year. He 100% delivered on this promise and was there to support us throughout the journey. We moved into our new build home and are absolutely elated. We are now customers for life!”
“Jonathan Hunting, my mortgage adviser, really helped and guided us all the way from start to finish of the process of our remortgage. Very professional in his work, I would not hesitate to recommend his services.”
Bad Credit Calculator
See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.
Get connected to a specialist bad credit mortgage broker who can make a mortgage possible for you.
Get connected to a specialist bad credit mortgage broker who can make a mortgage possible for you.
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