Business Details
17 Years
experience
Specialist Adverse Credit Mortgage Brokers UK
We are a national mortgage brokerage specialising in sourcing mortgages for individuals with adverse credit histories. Established to address the challenges faced by those with impaired credit, our service focuses on understanding the unique complexities of this ever-evolving market. Our mission is to provide tailored solutions that increase clients' chances of securing competitive mortgage deals, regardless of their credit circumstances. With a dedicated team of CeMAP-qualified brokers, we combine market expertise with a commitment to transparency and client support. Our whole-of-market approach ensures access to a wide range of lenders, including high-street banks and specialist providers. Since 2009, we have helped thousands of clients achieve homeownership, often after being declined elsewhere.Our pre-underwriting service identifies potential issues early, streamlining the application process. We operate under strict regulatory oversight from the Financial Conduct Authority, ensuring compliance with the highest industry standards. Our 5-star reviews reflect our dedication to exceptional service, with clients praising our responsiveness, expertise, and stress-free approach. We prioritise clear communication, offering first-class support throughout the mortgage journey. Our fee structure ensures no upfront costs, with payments only due upon successful mortgage offers. This combination of specialisation, market access, and client-centric service defines our position as a leading adverse credit mortgage broker in the UK.
Services
Bad Credit Mortgage
CCJ Mortgage
IVA Mortgage
Bankruptcy Mortgage
Buy to Let Mortgage
Remortgage
First Time Buyer Mortgage
DMP Mortgage
Default Mortgage
Details
- Year established: 2009
Highlights and features
- No upfront fees - payment only upon successful mortgage offer
- Whole-of-market access to 95% LTV adverse credit mortgage deals
- CeMAP-qualified brokers with specialist pre-underwriting services
- 5-star rated service across Trustpilot, Reviews.io and Google
- Dedicated team approach for personalised mortgage solutions
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Smooth process
Highly recommend
First class communication
Stress-free journey
Services
Bad Credit Mortgage
Specialist mortgage solutions for applicants with adverse credit histories. Our CeMAP-qualified brokers access exclusive rates up to 95% LTV through high-street and specialist lenders. We handle CCJs, IVAs, defaults, and bankruptcies with tailored applications that address specific credit issues. Our pre-underwriting service identifies potential obstacles before formal submission.
CCJ Mortgage
Tailored mortgage options for applicants with County Court Judgments. We work with lenders accepting resolved CCJs and provide documentation guidance to strengthen applications. Our brokers specialise in demonstrating improved financial responsibility to secure competitive rates.
IVA Mortgage
Mortgage solutions for IVA completions with access to 85% LTV options. Our team prepares comprehensive case presentations highlighting post-IVA financial stability. We work with lenders specialising in post-insolvency mortgages to maximise approval chances.
Bankruptcy Mortgage
Specialist mortgages for discharged bankrupts with improved credit profiles. We access niche lenders offering competitive rates based on post-bankruptcy financial management. Our brokers prepare detailed rehabilitation evidence to support applications.
Buy to Let Mortgage
Adverse credit buy-to-let mortgages with flexible underwriting criteria. We connect investors with specialist landlords' lenders offering competitive rates despite credit impairments. Our service includes portfolio management advice and tax-efficient structuring options.
People
Adam Hinder
Managing Director
Co-founder with CeMAP and CeRER qualifications. Over 15 years' experience in adverse credit mortgages. Former high-street bank professional leading strategic direction. Manages team of 50+ specialists.
David White
Head of Sales
CeMAP-qualified broker with 9+ years' experience. Completed 500+ adverse credit mortgages. Recognised for lender policy expertise. Holds client testimonials praising communication and deal completion speed.
Questions
What types of adverse credit mortgages do you specialise in?
We specialise in mortgages for CCJs, IVAs, bankruptcies, defaults, DMPs, and other credit impairments. Our whole-of-market approach accesses both high-street and specialist lenders.
How does your fee structure work?
We charge no upfront fees. Our broker fee is agreed in advance and only becomes payable when the mortgage is officially agreed by the lender.
Can you help first-time buyers with bad credit?
Yes, we provide tailored support for first-time buyers with adverse credit histories, including competitive rates up to 95% LTV (85% for IVAs/ex-bankruptcy).
How quickly can you process a mortgage application?
We aim to confirm options within 24 hours and have secured formal offers within four working days through our streamlined pre-underwriting process.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (Register No 745164) and comply with UK regulatory standards.
What areas do you cover?
We operate nationwide across the UK, providing adverse credit mortgage solutions to clients in all regions from our Chelmsford base.
