Business Details
Specialist Bad Credit Mortgages in High Wycombe
Established by Steven Neale, SN Mortgages specialises in adverse credit mortgage solutions, addressing complex financial histories including defaults, CCJs, IVAs, and bankruptcy. With over two decades of industry experience, our team combines deep regulatory knowledge with a client-centric approach to secure mortgages for individuals deemed high-risk by mainstream lenders. We prioritise transparency, offering tailored advice aligned with individual circumstances while maintaining FCA-regulated compliance.Our expertise extends to government schemes like Shared Ownership and Help to Buy, alongside specialist products for contractors and self-employed individuals. Client testimonials highlight our responsiveness, ethical practices, and success in navigating challenging cases, supported by strategic partnerships with niche lenders. We maintain rigorous due diligence in application processes while ensuring clear communication throughout the mortgage journey.
Services
Adverse Credit Mortgages
Product Transfers
Bridging Loans
Government Schemes
Contractor Mortgages
Second Charge Mortgages
Remortgaging Solutions
Credit Rehabilitation Advice
Self-Employed Mortgages
Right to Buy Applications
Highlights and features
- 20+ years specialising in adverse credit mortgage solutions
- FCA-regulated with rigorous compliance standards
- Tailored advice for complex credit histories
- Proven success with challenging cases (IVA, bankruptcy)
- Direct lender relationships for faster approvals
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Highly recommend
Professional team
Excellent communication
Stress-free process
Services
Adverse Credit Mortgages
Specialist mortgage solutions for clients with credit impairments including defaults, CCJs, IVAs, and bankruptcy. We access niche lenders offering competitive rates while maintaining compliance with FCA regulations. Our process includes credit file analysis, lender matching, and application strategy to maximise approval chances. Clients benefit from transparent fee structures and ongoing support throughout the mortgage term.
Government Schemes
Expert guidance on government-backed mortgage initiatives including Shared Ownership and Right to Buy. We help clients navigate eligibility requirements and application processes for 100% mortgages with minimal deposits. Our service includes scheme comparisons, affordability assessments, and liaison with housing associations to secure optimal terms for first-time buyers and existing tenants.
Bridging Loans
Interim financing solutions for property transactions requiring rapid completion. Available for both residential and commercial properties, our bridging loans cater to clients needing funds within 7-14 days. We work with specialist lenders to provide loan-to-value ratios up to 75% with flexible repayment terms, particularly suited for auction purchases or chain break resolutions.
Contractor Mortgages
Tailored mortgage products for contractors, freelancers, and CIS workers. We address unique income verification challenges by working with lenders that accept day-rate calculations and limited company accounts. Our service includes income stream analysis, tax efficiency advice, and documentation preparation to demonstrate financial stability for mortgage applications.
Product Transfers
Mortgage remissioning services to secure better interest rates with existing lenders. We analyse current portfolios to identify cost-saving opportunities, manage negotiation processes, and handle administrative requirements for seamless transitions. This service particularly benefits clients seeking to reduce monthly payments without changing lenders or incurring early repayment charges.
People
Steven Neale
Mortgage Broker
With over 20 years in mortgage advisory, Steven specialises in complex credit cases. He holds CeMAP qualifications and manages client relationships across adverse credit, contractor, and government scheme mortgages. His approach combines regulatory compliance with personalised service.
Sue Neale
Mortgage Advisor
Supporting mortgage applications with detailed case management. Sue coordinates documentation, liaises with lenders, and provides client support throughout the application process. Her expertise ensures smooth transactions for clients with challenging financial histories.
Questions
Can I get a mortgage with an IVA on my credit file?
Yes, we specialise in mortgages for clients with IVAs. Lenders consider factors like completion date and repayment history to determine eligibility.
How do you handle mortgage applications with multiple defaults?
We assess default age, amounts, and resolution status. Lenders typically require defaults over £500 to be settled or demonstrate satisfactory payment arrangements.
What documentation is needed for contractor mortgages?
We require 12-24 months of contract history, recent invoices, and company accounts. Lenders accept day-rate calculations for income assessment.
Do you charge fees for mortgage advice?
Our fee structure is transparent with no upfront charges. Payment is only due upon successful mortgage completion, detailed in our initial consultation.
How quickly can a bridging loan be arranged?
Bridging loans typically complete within 7-14 days. We expedite the process through established lender relationships and streamlined documentation procedures.
Can you help with remortgaging existing adverse credit mortgages?
Yes, we review current mortgage terms and credit improvements to identify better rates or product transfers for clients with adverse histories.
