Bad Credit Mortgage Brokers – Our 5* Rated Service Can Help You

Talk to Simply Adverse, the adverse credit mortgage experts about mortgages for:

  • Debt management plans
  • CCJ mortgages or IVA's
  • Poor credit history
  • Missed, late payments or defaults
  • Mortgages for bankruptcy
  • Exclusive rates - up to 95% LTV (85% LTV for IVA/Ex-bankruptcy)
  • Our reviews & experience means we can confirm your options within 24 hours

Use our Online Quiz to find out if you qualify for a bad credit mortgage; it only takes two minutes & there’s no credit check.

Do You Qualify?

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It's quick & easy. No credit check or upfront fee.
*95% Max LTV.
IVAs or Ex-bankruptcy 85% Max LTV
Coronavirus (COVID-19) Bad Credit Mortgage Update

Simply Adverse continues to work through the Tier restrictions in the UK to support our customers with both new and existing applications. Check out our guide to the impact of coronavirus on bad credit mortgages.

Why choose Simply Adverse for a Bad Credit Mortgage?

Reason 1 To Choose Simply Adverse - Bad Credit Mortgage Specialists

We’re specialist poor credit mortgage brokers who focus on sourcing mortgage for people with a history of adverse credit

Reason 2 To Choose Simply Adverse - 9 Years Experience In Adverse

You receive a bespoke service with your own dedicated team including a broker & specialist pre-underwriter

Reason 3 To Choose Simply Adverse - No Upfront Fees

No upfront fees. You don’t pay anything until you have a formal mortgage offer & a commitment to lend from the bank.

Reason 3 To Choose Simply Adverse - No Upfront Fees

We are whole-of market bad credit mortgage brokers. We’re not tied to a panel of lenders, giving you access to the widest range of deals

Reason 3 To Choose Simply Adverse - No Upfront Fees

You’ll get access to exclusive rates from adverse friendly lenders                                                   

Reason 3 To Choose Simply Adverse - No Upfront Fees

Our services receive solid 5-star ratings in Trustpilot, Discover why by giving us a call               

Our Comprehensive Range Of Bad Credit Mortgage Services

If you would like to know more about our services and how we work with you to find you the best bad credit mortgage rates in the UK, then you can take a look at our adverse credit mortgage FAQ or call our experts today for professional and trustworthy advice.

Bad Credit Mortgages From The Expert Bad Credit Mortgage Brokers - Simply Adverse

Buying a new home is exciting, but stressful. Dealing with lawyers, arranging the move, and of course finding a mortgage. If you’re one of the many people thinking about getting a mortgage with poor credit it can be an even more worrying time. But buying a house with bad credit isn’t impossible.

The good news is that there are lenders that accept adverse credit. You may find it difficult to access these bad credit lenders on the high street though. If you’re wondering how to get a mortgage with bad credit, but don’t know how to find the best mortgage broker for bad credit, you need to speak to Simply Adverse. Let our team of specialist bad credit mortgage brokers help you find the best mortgages for bad credit UK-wide.

Don’t get stressed out wondering ‘can you get a mortgage with bad credit’. 

If you’ve been trying to find a mortgage broker for bad credit, speak to us and let Simply Adverse show you some of the best bad credit mortgage rates in the UK.

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call 01245 330163 For A Free Quote
Lines Open: Mon-Fri 09:00 - 22:00 and Sat/Sun 09:00 - 20:00. Alternatively request a call back at a time convenient to you.
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Do You qualify?
It's quick & easy. No credit check.

Discover the Difference a Specialist Adverse Credit Mortgage Broker Can Make

Online searches and comparison sites should make finding your own bad credit mortgage simple, but they can just make it more frustrating. Most online tools are designed for straightforward applicants who don’t have a history of adverse credit, and not people with bad credit.

When your circumstances are more complicated you often find that you think you’ve found the perfect deal, only to learn further down the line that you are not eligible. This leaves you back at square one. As well as being infuriating, with time often being of the essence during a property purchase, delays can mean that you lose the home that you were set to buy. This is when you might want to start to look for a professional who can give you specialist bad credit mortgage advice.

Using a mortgage broker to deal with your application will make the process smoother at the best of times. If you have a history of adverse credit, finding a specialist mortgage broker for bad credit applicants, such as Simply Adverse, can make the difference between finding a deal, and not.

As well as giving access to a specialist bad credit mortgage advisor, you’ll have more choice as many mortgages for people with adverse credit will only be available through a broker.

How the Simply Adverse Specialist Bad Credit Mortgage Brokers Will Help You

When you choose Simply Adverse to handle your bad credit mortgage application you get the benefit of a personalised service designed to make the whole process go more smoothly and improve your chances of finding a great mortgage deal.

Our CeMAP qualified brokers work with the rest of our team and use their in-depth knowledge of the adverse credit mortgage market to deliver a 5-star rated service.

Some of the Advantages of the Simply Adverse Mortgage Brokers Service


Our team carries out much of the hard work of the mortgage application process. We ensure that you supply all the correct documents and that all forms are completed correctly, and on time. We use our experience to scour the mortgage market for you, to provide you with the most appropriate deal

Market knowledge

We’re specialists in the bad credit mortgage broker sector. Lenders’ criteria can vary quite significantly, both between lenders and over time. We know what poor credit mortgage lenders are looking for and whether they are likely to accept your adverse credit mortgage application. This is a fast-moving market, so using a broker who works day to day with bad credit lenders gives you the benefit of up to date information.

Pre-underwriting service

A common obstacle that mortgage applicants with a poor credit history face is passing the lender’s underwriting process. This is the stage at which the lender takes a deep dive into your financial circumstances and can often be the stage at which an application is declined. At Simply Adverse we give you the services of a pre-underwriter who carries out their own underwriting. This flags up any issues before the application, giving you the time to address any problems, and us the information needed to approach the right lender.

Established relationships with all types of lender

Bad credit mortgage lenders come in all shapes and sizes. As we are whole of market lenders we aren’t tied to a panel of lenders, giving us the chance to source your mortgage from both specialist lenders for bad credit and high street lenders. We work with some of the best mortgage lenders for bad credit applicants, helping get you a great deal with some of the best mortgage providers for bad credit.

Looking for bad credit mortgage lenders UK? Here are some of the adverse mortgage companies we work with include:-

  • Pepper
  • Aldermore
  • The Mortgage Lender
  • Kent Reliance
  • Bluestone Mortgages
  • Kensington
  • Masthaven
  • Precise Mortgages

Who can the adverse credit mortgage brokers at Simply Adverse help?

If you are looking for adverse credit mortgage advice help and products then a poor credit mortgage broker can help you. Whether you’ve missed loan or credit card payments, are looking for a mortgage after bankruptcy or applying for a mortgage after a CCJ. Whatever has caused your poor credit rating or damaged your credit report, the specialist brokers at Simply Adverse can help.

call 01245 330163 For A Free Quote
Lines Open: Mon-Fri 09:00 - 22:00 and Sat/Sun 09:00 - 20:00. Alternatively request a call back at a time convenient to you.
Contact Us
Do You qualify?
It's quick & easy. No credit check.
Your home may be repossessed if you do not keep up repayments on your mortgage.

What You Will Pay For Our Services and When – Mortgage Advice

This fee is for advice, research, recommendation and implementation (e.g. application, administration of arranging the loan). We will also be paid by commission from the lender.

Our broker fee is £1995 which is payable upon receipt of your mortgage offer. You may have the option to pay the broker fee upon completion for remortgage applications only, the broker fee for this would be £2495.

Our fee is only 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: Unit 15, Runwell Hall Farmhouse, Hoe Lane, Rettendon Common, Essex, England, CM3 8DQ.

Simply Adverse
15 Runwell Hall Farmhouse
Hoe Lane

Tel: 01245 330163

Bad Credit Mortgage Help and Advice


All content on the Simply Adverse website is believed to be accurate at the time of publication. However, this is a fast-moving sector and lender criteria and policies change regularly. For this reason, we always recommend that you speak to one of our brokers for the most up to date information.

Articles can only ever provide general information and do not constitute financial advice. Our mortgage brokers are fully regulated by the Financial Conduct Authority, and it is only by speaking to them that you will receive advice and information tailored to your individual circumstances. Your home may be repossessed if you do not keep up with repayments on your mortgage.

You should always think carefully, and seek professional advice, before securing other debts against your home or releasing equity from your home.


In the event of a complaint, please contact Simply Lending Solutions Limited who are our Principal firm and are therefore responsible for investigating any complaints made against us. They can be contacted either in writing, by email or by phone. For contact details and to read the complaints procedure, click here.

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