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.
A MORTGAGE IS A LOAN SECURED 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.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
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
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 100 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.
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.
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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. -
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.