Online Bad Credit Mortgage Calculator

Our mission is to help everyone get the best mortgage they possibly can, even if they have an adverse credit history or a very poor credit rating. To help us understand how we could do this more effectively we looked at the top questions that our customers ask us (read Your Top Questions about Bad Credit Mortgages here).

We used the data to help identify what the most likely problems are for our customers with bad credit history and what we needed to know to help them get a mortgage more simply. We quickly concluded that the complexity of bad credit history and the large number of lenders we have access to meant that a simple bad credit mortgage calculator was never going to tell the full story.

This research helped us create the ultimate bad credit mortgage calculator; the “Bad Credit Mortgage Quiz”

Why did we do this?

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

Misinformation and misunderstanding

There is a lot of misinformation online and various “urban myths” around a bad credit rating, what matters and what doesn’t, plus how much lenders actually know about people when they apply for a mortgage.

There are also a lot of online searches and customers trying to find a “bad credit mortgage calculator”. Although some sites do have these, they make assumptions about affordability and the bad credit history customers have. It’s also very difficult to go though all the detail required by a bad credit mortgage application using a bad credit mortgage calculator. This means those tools are really only showing a loan to value/income calculation. We wanted to be transparent and offer a more personal service.

The key to us being able to help all our customers, is that we get honest answers and feedback, and that we always ask the right questions. That way we are in a position to advise you whether it’s likely you’ll get a mortgage and what lenders are likely to consider your application.

The two overriding things that make a difference are: -
1. Your personal circumstances (or your joint application circumstances)
2. The lender we submit your application to

Reason 1 To Choose Simply Adverse - Bad Credit Mortgage Specialists

Personal Circumstances
This has the biggest impact on the likelihood of you getting a mortgage, you must tell us everything that’s relevant, we really need your entire credit history in detail. As an example: -

  • The length of time since any bankruptcy or IVA has a large bearing on a loan
  • The size of your deposit and equity make a big difference on mortgage affordability and interest rates
  • Missed payments and their type matter; e.g. if you miss mortgage payments that is far more unattractive to many lenders than other types of missed payments
  • The type and reason for needing a mortgage also affects affordability and risk
Reason 2 To Choose Simply Adverse - 9 Years Experience In Adverse

Lenders we work with
We work across the entire market and aren’t tied to any particular lenders or panel. This means that we regularly work with all the different lenders and fully understand the types of customers and the bad credit they will accept and what is likely to impact on acceptance.

The fact that we exclusively work with adverse credit customers means we know the best lenders to submit to at different times and what elements of your adverse credit history are likely to cause a problem. Ensuring we get the best lender and deal for your mortgage every time.

We are also fully qualified, regulated and experienced in second charge mortgages, which gives us an extra set of options in many circumstances for customers needing to remortgage or borrow more money.

How the quiz helps you

Simply Adverse Mortgage Quiz
We wanted to be able to gather the most relevant bad and adverse credit information simply about our potential customers. This allows us to give honest bad credit mortgage advice, without having to carry out credit checks or charge any initial fees.

This way we are clear on the sort of information we need to be able to progress a mortgage application for all types of customers with bad credit history.

The quiz helps us find out: -
Armed with this information we can start the process of finding the best adverse credit mortgage for you, whatever your credit history and whatever type of mortgage you need. All with no upfront cost or obligation to take the application any further.
What are you waiting for, take the Bad Credit Mortgage Quiz today… >>

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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.

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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