A difficult credit history doesn't have to end your chances of owning a home. Adverse-credit mortgages are designed for people whose financial record isn't perfect — and we can guide you through every step.
What they are
These mortgages are for people who've had financial issues such as loan defaults, county court judgments (CCJs) or bankruptcy. They offer a way to work towards home ownership while rebuilding your financial standing.
What to expect
Often called 'sub-prime' or 'non-conforming' mortgages, they usually come with higher interest rates and different terms than standard deals, reflecting the lender's view of the risk. We can help you understand the terms and find a suitable plan.
How we help
Managing debts and securing a mortgage can be complex. We offer advice tailored to your situation, helping you make informed decisions about your options and your route to home ownership.
Important — please note
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages, such as commercial buy-to-lets, are not regulated by the FCA.
This article is general guidance, not personal advice. For a recommendation based on your own circumstances, please get in touch.