Mortgages with no credit history

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.

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. 

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.

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.

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.

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.

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. 

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.

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.

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.

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.