Got Bad Credit? We Can Help You Get A Mortgage

Even After A CCJ, Default, Missed Payment, DMP, IVA Or Ex-Bankruptcy

Whole Market | Access To Exclusive Rates | 5 Star Rated Service.

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6 Great Reasons To Choose Simply Adverse

No Upfront Fee

Our broker fee is agreed in advance and only becomes payable when the mortgage is officially agreed by the lender.  

Adverse Is All We Do

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.

Whole Market

We're a whole market broker. Which means you get access to every deal currently available. Including those from niche lenders.

Access To Exclusive Rates

With access to every adverse friendly lender, we can often secure you exclusive rates you won't find on the high street.

First Class Support

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.

Glowing Reviews

We have hundreds of independently verified 5 star Trustpilot reviews from delighted clients. Find out why our customers rave about us.

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Simply Adverse
Finding you a mortgage when you have bad credit

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 explained

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.

Aspects that can negatively affect credit profile

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:

  • Missed payments
  • Overdue payments
  • No or limited credit history
  • Multiple short term address history
  • High utilisation of current credit facilities
  • IVA/Bankruptcy
  • Defaults and County Court Judgements (CCJ’s)

Aspects that can increase your credit score

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:

Who does Simply Adverse help?

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:

  • CCJ
  • Default
  • Missed Payment
  • DMP
  • IVA
  • Ex-Bankruptcy

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.

How do Simply Adverse help you get a mortgage with bad credit?

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.

Do you need our help or know someone who does?

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.

Terms & Conditions

Fees vary according to individual circumstances and we will agree our fees with you before we undertake any chargeable work. This fee is for advice, research, recommendation, implementation (e.g. application, administration of arranging the loan). We will also be paid by commission from the lender.

Our typical broker fee is £1995. We typically charge up to 4% of the loan amount, dependent upon the severity of adverse credit and the lender being used. For example, on a loan of £100,000 we would charge up to £4000.

For second charge mortgage applications our typical broker fee is £1995. We typically charge up to 10% of the loan amount, dependent upon the severity of adverse credit and the lender being used. For example, on a loan of £40,000 we would charge up to £4000.

Our fee is payable upon receipt of your mortgage offer, we do not charge any upfront fee for identification of any potential solutions.

LeGAL Information

Simply Adverse is a trading style of Simply Investment Ltd. Simply Investment Limited is an Appointed Representative of Simply Lending Solutions Ltd who are authorised and regulated by the Financial Conduct Authority FSR Number 745164. 

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Simply Investment Ltd. Registered in England and Wales Company no: 06528590. Registered Office: Runwell Hall Farmshouse, Hoe Lane, Rettendon Common, Essex, England, CM3 8DQ.

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