Frequently asked questions

What deposit will I need?

It very much depends on your circumstances and credit record.

For less severe adverse credit like CCJ's and defaults on card payments, 95% LTV is available. For settled IVA's and ex-bankruptcy, the maximum LTV is 90% and 80% respectively.

I want to remortgage but have bad credit, how much can I borrow?

As much as 90% LTV. However the actual amount you can borrow will depend on your personal circumstances and credit history.

I need to remortgage quickly, how long does it take?

We pride ourselves on fast turnarounds. From as little as 4-6 weeks once we have the necessary paperwork to hand.

I'm an ex-bankrupt, can you help?

Yes, we have access to specialist lenders willing to lend if you've been made bankrupt.

You must have been discharged at least a year ago and the maximum LTV is 80%.  The best deals and lowest rates become more readily available 4 years after being discharged.

My IVA is settled, can I get a mortgage?

We can often help you secure a mortgage.

The minimum requirements are that your IVA was settled at least a year ago and you have a minimum 10% deposit. Better deals and more lenders become available if you can exceed those requirements.

I'm currently in an IVA. Can I remortgage to settle it?

It's possible, but the lending criteria are very strict.  The maximum loan to value (LTV) is currently 65% and minimum loan size is £100,000.

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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.

Your home may be repossessed if you do not keep up repayments on your mortgage.
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Lines Open: Mon-Thurs 08:30 - 20:00, Friday 08:30 -  17:30 and Saturday 09:00 - 17:00.  Or Request A Call Back
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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 Farmshouse, Hoe Lane, Rettendon Common, Essex, England, CM3 8DQ.

Simply Adverse
15 Runwell Hall Farmhouse
Hoe Lane

Tel: 01245 330163

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