Almost Two Thirds of People Would Feel Judged If They Looked for a Bad Credit Mortgage!

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At Simply Adverse we work on a daily basis with people who are ready to apply for a new mortgage or remortgage. Our clients all have some form of adverse credit, ranging from missed payments or defaults to CCJs and bankruptcy.

Many come to us after having their applications declined elsewhere. However, we also encounter people who are less eager to talk to us directly. We know these people exist as they will interact with us online, via our quiz or live chat, but don’t want to go further than this.

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We wanted to find a way to help everybody who is worried that their poor credit history will stand in the way of successfully applying for a mortgage, whatever stage of that journey they are at. Our feeling was that an online forum, where users could share their experiences but also receive information from professional brokers, could provide a space for those individuals who would prefer a less formal space to discuss their needs.

With this in mind we focused on looking at where people would look for a ‘bad credit mortgages’ and how they might feel about seeking advice and information.

What we found

One of the most striking things that our research found was that 65% of respondents strongly agreed or tended to agree with the statement 'I would feel that I was being judged for my past financial behaviour if I looked for a mortgage or mortgage advice specifically designed for people with poor credit history'.

We know that adverse credit can happen to almost anyone, often for reasons partially or completely out of their control. We also know that no professional working in the adverse credit market would make judgments about anyone who is trying to find help. Yet we must keep in mind that this is how people do feel.

Bad credit mortgage information

When we added that statistic to the discovery that two thirds of people would prefer to remain anonymous when they first looked for information or advice, this confirmed our belief that providing a place where people could interact without revealing their true identity, a place where they would maybe feel less ‘judged’, was vital to helping more people access advice and information.

Therefore, we are launching our online forum to provide a place for those people who aren’t yet ready to speak to a broker on a one-to-one basis.

Why is our forum different?

We know from our research that many individuals are already using online forums, with 50% of respondents in our study indicating that they would use such a site to advice on mortgages for people with a poor credit history – more than would approach either a broker they already knew or a specialist broker.

However the anonymity that makes online forums feel safe, may also pose a problem. In particular there is no transparency about the reliability of any information given, or the background of those giving it. We wanted to address this by retaining the ability for users to talk to peers, a feature that users are familiar with, but also add an extra layer of transparent, trustworthy information given by mortgage professionals from Simply Adverse.  

Simpy Adverse Bad Credit Mortgage Forum

 In addition to this we also intend to use the links we have with the Debt Support Trust charity, and lenders such as Bluestone to provide additional dimensions of information. The involvement of the Debt Support Trust will help those users who are still in the process of addressing any debt issues by allowing us to signpost them to the appropriate support. Plus lenders will be able to give product specific information in more detail than would otherwise be available.

Why Our Forum Is Different:

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Information not advice

At Simply Adverse we’re keen to stress that every individual case is different. That’s why we’re structuring our forums to let you speak to people who’ve been a similar situation to yourself, and to allow you to have access to the most up-to-date professional information out there about mortgages, lenders and debt management. However, if you need any tailored advice, be it on buying your first home our sorting out your finances, we will always direct you to the best place to access personal advice for your circumstances.

We’ll also moderate our forums to ensure that you aren’t given misleading or inaccurate advice or information by other users, setting us apart from many other online facilities.

If you’re not sure whether you are ready to speak to a mortgage broker yet, log onto our forum and take the first steps towards reaching your property goal.

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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.

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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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