The Problems People Face
With
a poor credit score
Getting a mortgage with poor credit isn’t easy — but you’re not alone, and the right help can make all the difference.
Struggling to Find a Lender Who Will Say Yes
Most high-street banks turn away people with defaults, CCJs, or low credit scores, leaving you unsure where to turn.
Feeling Lost and Overwhelmed
It’s confusing to figure out mortgage options, especially when lenders all seem to speak in jargon or reject you without clear reasons.
Drowning in Paperwork and Processes
From forms to valuations, the mortgage process is stressful, time-consuming, and full of admin headaches when you try to handle it alone.
Long, Uncertain Waiting Times
Waiting for answers can be frustrating. We speak to lenders directly on your behalf, chase updates, and keep your application moving — so you’re not left in the dark.
Worrying About Extra Costs and Fees
Some brokers charge hefty fees, adding to your financial stress when you’re already worried about your credit situation.
We Can Help,
Bad credit? No problem. We match you with the right lenders, guide you every step, and handle the process all at no cost to you.
We Find the Best Mortgages
We're independent, whole-of-market advisors, so we'll compare 100+ Lenders — Including those that accept defaults, CCJs & low scores.
We Guide You Through Every Step
You don’t have to figure it out alone. We explain your options in plain English and help you make the right choice.
We Handle The Whole Process For You
From paperwork to valuations, we support you in dealing with the administrative side, saving you time and hassle.
Faster Results
Most decisions within 24–48 hours, so you’re not left waiting.
Our Advice Is 100% Free
Like all mortgage advisors, we receive a commission from the lender — but unlike many, we don’t charge you any extra fees.
How We Help When
Your Credit History Isn’t Perfect
Even with bad credit, we make the process simple and stress-free guiding you through every step with expert, independent advice.
Call us, send a message, or book a time that suits you. We’ll listen carefully to your situation — no judgment — and explain what mortgage options are available, whether you have CCJs, defaults, missed payments, or other credit issues.
We’ll explore specialist lenders who understand adverse credit and find the best deals for your circumstances. We’ll present everything to you clearly in an online meeting, followed by a written summary you can review in your own time.
Once you’re happy, we’ll manage the mortgage application from start to finish, liaising with the lender and solicitors, making sure everything runs smoothly. We can also help you plan ahead with protection, a Will, or Power of Attorney if needed.
What Our Customers
Say
About Us
See what our happy customers have to say about their experience with us — real stories from people we’ve helped every step of the way.
Your trusted
guide
&
helping hand
Even with a less-than-perfect credit history, getting a mortgage is still possible.
Book an
appointment or send a message
Don’t let uncertainty hold you back any longer. We’ll guide you toward real solutions tailored to your situation. Whether you’re looking to buy your next home or remortgage your current one, we’ll help you secure the right mortgage even if you’ve faced bad credit, defaults, or past financial challenges.
Our Office Address
Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom
Got Any Questions?
We’ve Got The
Answers
Many of our clients have faced defaults, CCJs, or missed payments before coming to us. That’s why we’ve answered some of the most common questions about adverse credit mortgages, so you can understand your options and take your next step with confidence.
