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Bad Credit Mortgage Advice We've got you covered.

If your credit score isn’t perfect, it can be a big worry. Especially if you are applying for a mortgage. Whatever your financial situation, you can rely on us to work hard and to be on your side. There are lenders that are sympathetic to people with credit issues and we can help you find them with helpful, principled mortgage advice for people with bad credit.

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Can I apply for a mortgage with Bad Credit?

Bad or adverse credit can be a result of a number of factors. Maybe you had a late payment or perhaps you had a CJJ against you. Maybe your credit issues were as a result of a partner. Or perhaps you don’t really know why you have bad credit.

You may have been turned down for a mortgage in the past. Or you might be too worried to start the journey alone. Whatever the cause of your credit issues, we will be there for you. Without judgement and with a helpful attitude.

There are lenders that are more sympathetic to people who have adverse credit. We know which ones are more likely to consider your application – many of them are smaller lenders whose products might not be available directly.

We will help you apply and deal with any queries – we will be by your side every step of the way.

Get in touch to taking your first step.

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Your Mortgage Expert Team

How we work

  • Personalised, hard working service
  • We search 1000s of deals from across the market
  • Detailed research to ensure you save money
  • Take care of the paperwork to minimise stress
  • By your side from application to completion
  • The experience to get a good result for you

More about us

Why choose us?

We are not like other brokers. Our small, friendly team has over 80 years of experience in the mortgage and protection industry. We have over 80 five star reviews on Google and over 90 verified reviews on VouchedFor. And we would love to work hard for you.

To speak to a member of the mortgage advice team about Bad Credit  mortgage advice ring Your Mortgage Expert now on 01722 322683. Or complete a contact form using the link below.

How can I improve my credit?

If it turns out you can’t get a mortgage right now, it’s not the end of your journey. You can make positive steps to help improve your credit score. Read our guide to improving your credit score using the link below.

Read more

Your Mortgage expert team

Meet the team

At Your Mortgage Expert we have experience with helping clients who have adverse credit. We understand that life happens and sometimes your credit score might not be perfect.

We will work hard to find a mortgage that works for you. We are not like other Mortgage Brokers. Our small, friendly team wants to achieve a positive outcome for you. In fact, we now have 80 five-star reviews online from people we have helped.

Taking out a mortgage is a huge financial consideration. The last thing we want is for you to take on a financial commitment that you can’t afford. So we will help you understand what your financial outgoings are likely to be and whether your household can afford the additional expense.

Your Mortgage Expert is based in Salisbury but we can help you with Bad Credit Mortgage Advice no matter where you live in the UK.

Discover More

  • Dan Harris mortgage adviser photo

    Dan Harris - Mortgage Adviser

    Dan Harris first started working in mortgages in 2004. Since then, he has helped lots of people with adverse credit. Dan has great attention to detail and will do the hard work to ensure you get the best recommendation.
    Email Dan Harris
  • Adam Nanson mortgage adviser photo

    Adam Nanson - Mortgage Adviser

    Adam Nanson has worked in the Mortgage Industry for over 20 years. His friendly approach will mean you'll understand the complicated bits and cut through the jargon. He'll work hard to get the home of your dreams despite your credit concerns.
    Email Adam
  • “This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”

    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

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Monday to Friday: 9am – 5.00pm, Saturday and Sunday: Closed

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with financial institutions who can assist in the provision of financial services to you including product providers, lenders, banks, insurers, fund managers, platform providers and third party para-planners. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy: https://your-mortgage-expert.co.uk/about-us/legal-privacy-information/

Your Mortgage Expert is a trading name of Your Mortgage Expert Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Registered Office Address: 18 New Canal, Salisbury, England, SP1 2AQ. Registered in England Number: 08924507.

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