Second Mortgage with
Bad Credit

Simply Adverse, the adverse credit mortgage experts can help with:

  • Second mortgage bad credit history
  • Second charge mortgages with a poor credit rating
  • Poor credit history mortgages of any type
  • See our reviews and feedback to understand how we can help you

Take our Online Quiz now to find out if you’re likely to be able to get a 2nd mortgage with bad credit. There’s no credit check & it only takes two minutes.

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It's quick & easy. No credit check or upfront fee.
*95% Max LTV. IVAs or Ex-bankruptcy 85% Max LTV
Your home may be repossessed if you do not keep up repayments on your mortgage.

How to Get a Second Mortgage with Bad Credit from the Bad Credit Experts | Simply Adverse

Getting a second mortgage is a great alternative to remortgaging or taking out an unsecured loan, however, just like securing any kind of credit with a bad credit score, it can be very hard to find lenders that’ll offer you a second mortgage.

Thankfully, difficult doesn’t always mean impossible. If you’re a homeowner with equity in your property, then you may still be eligible for a second mortgage, even with bad credit. To increase your chances of finding bad credit 2nd mortgage lenders, our Simply Adverse mortgage experts are the professionals to call.

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Why Choose Simply Adverse for a Second Mortgage with Bad Credit?

Reason 1 To Choose Simply Adverse - Bad Credit Mortgage Specialists

If you’re searching for a second mortgage, bad credit history can be a problem, but here at Simply Adverse, we’re on hand to provide a solution. We’re dedicated to finding second mortgage loans for people with bad credit, using our 9 years of trading experience to get the best rates from specialist and niche lenders.

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

Instead of searching for how to get a 2nd mortgage with bad credit, allow our experienced advisers, expert pre-underwriters, and communicative case managers to step in and help. With no upfront costs and our unrivalled service with proven results, make us your first point of call for a second mortgage.

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Lines Open: Mon-Fri 09:00-20:00 and Saturday/Sunday 09:00-17:00. 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.

What Is Bad Credit History?

Having a bad credit history means that you have a record of poor financial responsibility, or no history of financial responsibility. Becoming bankrupt, missing payments, getting a CCJ, and defaulting on payments can all cause your credit score to decrease.

Even without a perfect credit history, it’s often possible to secure a second mortgage. Just call Simply Adverse for more information about securing a second mortgage with bad credit.

get a 2nd mortgage with bad credit history

How Do I Know If I Have a Poor Credit Score?

If you’re new to the idea of credit scores, or it’s been a while since you checked yours, then here’s everything you need to know:

At Simply Adverse, we do everything we can to simplify the process of how to get a second mortgage with bad credit. We’re always on hand to help if you have concerns about your credit score or your second mortgage bad credit history eligibility.

Can I Get a Second Mortgage with Bad Credit History?

The good news is that you’ll most likely be able to get a second mortgage with bad credit, but how successful you’ll be is very dependent on whether you’re using a bad credit mortgage broker. With the help of a specialist mortgage broker, you’ll have a much better chance of securing a second mortgage as your broker will be able to gain access to exclusive deals and a wider range of bad credit friendly lenders.

Many lenders, who are not on the high street, will accept most types of adverse credit history, like CCJs and bankruptcy, as long as you can pass the affordability test and have enough equity in your property. Simply Adverse are always on hand to discuss how to get a 2nd mortgage with bad credit if you need expert advice.

Second Mortgage with Bad Credit FAQs

Not sure where you stand with getting a second mortgage? Here are the answers to three frequently asked second mortgage questions:

To speak to a Cemap qualified expert about how to take out a second mortgage with bad credit, you can call Simply Adverse today!

call 01245 330163 For A Free Quote
Lines Open: Mon-Fri 09:00-20:00 and Saturday/Sunday 09:00-17:00. Alternatively request a call back at a time convenient to you.
Contact Us
Do You qualify?
It's quick & easy. No credit check.

How Simply Adverse Can Help

Remortgages and first and second mortgage loans for people with bad credit are what we specialise in at Simple Adverse. Here are some of the ways that we can help you with getting a 2nd mortgage with bad credit:

We Do the Hard Work

Finding a second mortgage can be a very long process, especially if you’re searching the high street for bad credit 2nd mortgage lenders. Our expert team at Simply Adverse can deal with the whole process for you, from providing impartial advice and free assessments to searching for the best 2nd mortgage loans with bad credit.

Not Tied to a Panel of Lenders

We want to bring you the best 2nd mortgage bad credit loans on the market, so we don’t restrict our search to a single panel of lenders. We search out the best deals from niche lenders and 2nd mortgage bad credit friendly lenders.

You Only Pay When a Formal Offer is in Place

When we say that we don’t charge up front, we really mean it. Before we get paid, we make sure that you have commitment from the bank to lend and a formal mortgage offer on the table.

Take Our 2nd Mortgage Bad Credit Eligibility Quiz

Worrying about how to take out a second mortgage with bad credit will only add extra stress to the already stressful situation. To ease your worries, take a look at our 2nd mortgage bad credit eligibility quiz – a fast and effective way to check your second mortgage suitability.

Want to know more about how Simply Adverse can help with how to get a second mortgage with bad credit? You can call us 7 days a week for expert advice.

What Bad Credit Mortgage Lenders Do Simply Adverse Work With?

Simple Adverse works with an extensive range of bad credit 2nd mortgage lenders and niche lenders, to make sure that we can bring you the best rates. The main lenders that we work with, include:

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

Simply Adverse: Finding Second Mortgage Loans for People with Bad Credit

For first class support finding bad credit 2nd mortgage loans, debt consolidation options via second mortgages, and access to exclusive second charge mortgage with bad credit history rates, Simply Adverse are the experienced and qualified service that you need.

Seven days a week, our expert mortgage advisers will work with you to help you secure a second mortgage. For any advice about second mortgages or to start the ball rolling and begin the search for your second mortgage lender, call us today and we’ll be happy to help.

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 6% 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 £6000.

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 Farmhouse, Hoe Lane, Rettendon Common, Essex, England, CM3 8DQ.

Simply Adverse
15 Runwell Hall Farmhouse
Hoe Lane
Rettendon
Chelmsford
Essex
CM3 8DQ

Email: info@simplyadverse.co.uk
Tel: 01245 330163

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