Our broker fee is agreed in advance and only becomes payable when the mortgage is officially agreed by the lender.
Unlike your typical mortgage broker, all our advisors are focused solely on securing mortgages for clients with bad credit. In short, we know this market.
We're a whole market broker. Which means you get access to every deal currently available. Including those from niche lenders.
With access to every adverse friendly lender, we can often secure you exclusive rates you won't find on the high street.
Our experienced admin team are always on hand to answer your questions and keep you updated throughout. So you'll always know what's happening.
We have hundreds of independently verified 5 star Trustpilot reviews from delighted clients. Find out why our customers rave about us.
At Simply Adverse we specialise in helping people with bad credit get a mortgage. We understand the difficulties that come along with applying for a mortgage when you’ve got a bad credit score.
We’re here to help you. Don’t wait any longer, get in contact with us today.
Adverse credit simply means negative payment information has been recorded on your credit files.
These can be missed/late payments, defaults, County Court Judgements (CCJ’s) IVA’s, Bankruptcy, Debt Relief Order and/or Trust Deed.
These credit files influence a lender decision when individuals make credit applications.
Clearly having a track record of non-payment for your credit commitments will negatively impact your ability to achieve a mortgage.
Don’t worry, this is what we specialise in.
We will interpret your credit files, understand any life events that contributed to the adverse credit period and then approach a suitable lender.
There are many lenders still open to accepting applications from individuals with adverse credit recorded, although the detail of the events combined with the deposit value & source is critical to success.
Many lenders will use an automated matrix and based upon an individual’s overall credit profile will either pass or fail the credit score.
The specialist lenders will often have strict criteria guidelines where each application is measured against the exact adverse credit recorded.
These are the main aspects that can decrease your overall credit profile:
Often when we speak to clients, we cannot immediately help them achieve finance however there are some aspects that can help to increase your overall credit profile.
These are the main aspects that can increase your credit profile:
We will help anyone with bad credit looking for a mortgage. It’s what we’re here for. We cannot necessarily find a solution for every person, although we will talk through at no cost when a solution may be available. There is no charge or fee for any conversations or advice until a mortgage is achieved and formally offered.
Simply Adverse can help you get a mortgage after a:
We have a streamlined process that will allow us to quickly determine if you are likely to achieve a mortgage. We will then qualify this with your permission and confirm the potential solutions costs.
As we are continually helping clients with less than perfect credit profile’s, we understand the marketplace, have good relationships with the lenders and are clear and transparent with everything we do.
As confirmed earlier, we have no upfront fees. Our broker fee will be clearly laid out within our terms of business, alongside the lenders indicative terms.
If you’re interested in our service, don’t hesitate to contact us. We will give you our specialised advice as quickly as possible.
Additionally, if you know someone who might benefit from our service, please tell them about us.