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.
Buying a new home is exciting. It can also be 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 find these bad credit lenders on the high street though. If you’re wondering how to get a mortgage with 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’.
Speak to us and let Simply Adverse show you some of the best bad credit mortgage rates in the UK.
At Simply Adverse, we like to keep things as straightforward as possible, so put simply, we’re a specialist bad credit mortgage broker that focuses solely on sourcing mortgages for people with bad credit. That means that if you have adverse credit, you have the undivided attention of our expert advisers, specialist pre-underwriters and communicative case managers – every day of the week.
When you choose Simply Adverse, you get experience and expertise in all areas of getting a mortgage with bad credit. We have been trading in the UK for 9 years, Simply Adverse are part of Simply Lending Solutions Ltd who are authorised and regulated by the Financial Conduct Authority.
There are no upfront fees with Simply Adverse, the assessment of your situation is completely free. Once we have detailed your potential mortgage and the costs, it’s completely down to you as to whether you want to proceed.
With our effective process, substantial experience and proven results, it’s our aim to never let adverse credit stand in the way of you getting a mortgage, remortgage, or second charge mortgage.
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.
When you apply for a mortgage, the rigorous process can be difficult at the best of times. Finding a mortgage when you have a bad credit score can be even more difficult.
The process for getting a mortgage with poor credit is similar to that for getting a mortgage with good credit. However, there are fewer bad credit mortgage lenders in the UK, it’s always clear who these lenders are, and it can be difficult to understand what adverse credit is or isn’t acceptable.
Although there are fewer adverse credit mortgage lenders in the UK, using a bad credit mortgage broker simplifies the whole process. The whole-of-market mortgage brokers at Simply Adverse are the gateway to a whole range of poor credit mortgage lenders.This gives you a much better a chance of finding a mortgage with a bad credit score.
Simply Adverse works regularly with these bad credit mortgage providers, building up a relationship and helping to find the best bad credit mortgage loans for everyone. Our brokers can source competitive bad credit mortgage loans with lower interest rates and smaller deposits.
A bad credit rating can be caused by numerous factors, some of which you may never have even considered when managing your finances. Some of the main causes of a poor credit rating, include:
For any concerns about a mortgage for poor credit score, the professionals at Simply Adverse are CeMAP (Certificate in Mortgage Advice and Practice) qualified to provide expert impartial advice as quickly as possible.
If you have bad credit, then you’re not alone, but there is still hope of successfully applying for a mortgage. At Simply Adverse, we’ll be at your side every step of the way. We provide advice when you need it, can achieve highly competitive rates and offer an unrivalled service for adverse credit mortgages.
We’ve helped countless people in the UK achieve first time buyer mortgages or a second mortgage with bad credit, as well as assisting those who are searching for a remortgage with bad credit. As whole of market brokers, with access to niche lenders, we have become the trusted go-to brokers for adverse credit mortgages in the UK.
Every mortgage lender is different and understanding the criteria for each one is one of the ways that a specialist bad credit mortgage broker. The team at Simply Adverse works with these bad credit lenders every day, giving us an insight on whether they are likely to approve your application, whether you’ve just missed a loan repayment or are looking for a bankruptcy mortgage.
Knowing the best lender to apply to reduces the risk of you having to make multiple mortgage applications, which can in turn damage your credit score.
We’re also not limited to using high street lenders. We have access to multiple lenders, including those that offer broker-only mortgages, and those that are more sympathetic to mortgage applicants with a poor credit history. If you’re concerned by your adverse credit history, if you’ve wondered ‘can you get a mortgage with a CCJ’ or are searching for a DMP mortgage, then give our specialist bad credit mortgage brokers a call.
Getting a mortgage with bad credit may seem like an uphill battle where everyone is working against you, but at Simply Adverse, we’re always working with you. Rather than search online for ‘can I get a mortgage with bad credit’, allow us to step in and take care of the process for you.
With years of experience in adverse credit mortgages, we’re an unrivalled national service that is on hand 7 days a week to source adverse credit score mortgages and support you throughout the process of obtaining a mortgage with bad credit history. You can call one of our advisors on 01245 330163 during our office hours of Mon-Fri 09:00-22:00 and Saturday/Sunday 09:00-20:00.
Checking your credit score may seem like a daunting prospect, but with the option of a mortgage for a poor credit score on the table, it’s good to know exactly where you stand before you start applying. It’s often the case that credit ratings aren’t as bad as you might think, as many factors are considered when calculating the score.
Checking your credit score is incredibly easy when you use a reference agency. Sites like Experian, TransUnion, and Equifax all provide checking services for credit ratings that will give you a unique score based on your credit history.
You can check your score for Free using our partners CheckMyFile (30-day free trial, £14.99 a month thereafter, cancel any time).
Based on your information, the credit reference agencies will compile a score, which will be different depending on the agency that you choose. This should be used as an overall guideline to your credit rating, as the checks involved in mortgage applications are often slightly different. Your specific credit details are more important than an agency interpretation of your score. Discover more about understanding your credit report and credit score.
It’s important that you react quickly to a poor rating, rather than searching again and again. The experts at Simply Adverse are always available to advise you and support you if you have a bad credit rating. We’ve even put together some advice about how to improve your credit rating.
If you would like to know more about your suitability for a mortgage with bad credit score, then you can use our excellent online quiz that will provide you with an overview of how likely you are to get an adverse credit mortgage.
A bad credit rating is not ideal, but it’s not the end of the world either. We know the market, which means that when you entrust Simply Adverse with finding the best deals for your adverse credit mortgage, you’re getting a service that you can rely on to support you every step of the way.
We take the weight off your shoulders by doing all the hard work for you. Instead of worrying about finding the perfect mortgage or remortgage deals and searching for ‘can you get a mortgage with bad credit’, you can entrust our team of mortgage experts to undertake a free assessment and find the best mortgage deals for you even if you’ve already had a mortgage declined.
We are whole of market advisers, locating the best rates from adverse credit mortgage lenders, high street lenders and niche lenders. You’ll never miss out on the best rates when you choose Simply Adverse and you’ll have a much better chance of securing an exclusive rate!
We never charge upfront; we only get paid once we have secured you a formal mortgage offer and when the bank has committed to lending. You can walk away at any point in the process without having to worry about fees. If you are remortgaging or taking a second charge product, often our fee can be added to the advance and paid upon completion.
We understand that finding a mortgage is a stressful experience that often involves endless searches of ‘can I get a mortgage with bad credit’, so our handy calculator has been created to help give you a little extra peace of mind over your eligibility for a mortgage.
Stressed or worried about your mortgage application? Follow in the footsteps of thousands of home buyers who have used Simply Adverse to help them secure the most competitive deals for bad credit.
At Simply Adverse we have access to the best adverse credit mortgage lenders in the UK, which means that we can bring you the most affordable rates from all mortgage companies for bad credit, including niche lenders.
Here are some of the main poor credit mortgage lenders that we work with:
If you’re concerned about your adverse credit mortgage application, then there is no time like the present to contact the specialist adverse credit mortgage brokers at Simply Adverse.
Our first-class support and extensive knowledge of the mortgage market, backed by hundreds of exceptional reviews, make Simply Adverse the best service to choose for expert bad credit mortgage advice and solutions.