Mortgage Advice for Adverse Credit
CCJs, defaults or missed payments? Your credit history doesn’t have to mean the end of your mortgage plans. Speak to me today and find out what options could be available to you.
A confidential, no-obligation conversation about your circumstances.
Clear advice. Personal support.
Genuine feedback from people I’ve supported with their mortgage journey.
You’ll deal directly with me, Jack, from your first conversation through to completion.
Louise Mackay
“Jack was absolutely outstanding from start to finish! He made the whole mortgage process so much easier and stress-free, always keeping us updated and explaining everything clearly. Nothing was ever too much trouble for him, and his support and professionalism were second to none. I honestly wouldn't use anyone else and highly recommend him to anyone looking for a mortgage advisor. Thanks again, Jack.”
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Louise Swaine
“Jack was brilliant through the whole process. We had left it late to start our remortgage and had a very tight timeline, but Jack managed to turn it round in the time, and was always available for any questions or support we needed. Highly recommended.”
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Jake
“Spot on. I had the pleasure of working with Jack over the past several weeks. It certainly was not the easiest of cases but Jack did what we trusted him to do & he delivered (when 2 other brokers could not). Needless to say he'll have all our work, as well as my recommendation to my network for a lifetime. Look forward to working with you again & thank you once more!”
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Callum Martin
“Both myself and my partner are directors of a Ltd company & we spoke to several different mortgage brokers who all complicated the process for us & we started to lose hope in ever being able to move home! Our accountant recommended Jack & he is mustard!! Not only did he help us move from our first home to a bigger family home, he also sorted out a buy to let mortgage for us & I can honestly say, we never had to chase him for any updates — he was brilliant. Jack is now my go-to guy, even if it's just a bit of guidance he always is happy to help & calls me back. Top bloke. Sophie & Callum (CJM)”
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Rob Carter
“Jack really made the process easy for me, continued to ensure we had the best deal and supported whenever we required it. Thanks Jack.”
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Clear advice. Personal support.
Different lenders assess credit problems in different ways. The age, value and circumstances behind an issue can all affect which options may be available.
A previous default does not always prevent you from getting a mortgage. I can review when it was registered, whether it has been satisfied and which lenders may consider your circumstances.
Some lenders may consider applications from people with County Court Judgments. Your options can depend on the amount, date and current status of the CCJ.
Occasional missed or late payments may be treated differently from ongoing payment problems. I’ll help you understand how a lender may view your history.
There is no single credit score used by every mortgage lender. A low score with one credit agency does not necessarily mean every lender will decline you.
One lender saying no doesn't necessarily mean every lender will. I can review what caused the decline before deciding which lenders are worth approaching next.
Clear advice. Personal support.
Having adverse credit doesn't only affect first-time buyers. I can look at your circumstances whether you're buying your first home, moving, remortgaging or purchasing a buy-to-let.
Clear advice. Personal support.
Banks and mortgage lenders use different affordability calculations and credit criteria. Being declined by one lender does not automatically mean another lender will make the same decision.
Clear advice. Personal support.
I’ll discuss your defaults, CCJs, missed payments or other credit concerns and understand the circumstances behind them.
Instead of approaching lenders at random, I’ll compare criteria and identify lenders that may be more suited to your circumstances.
I’ll explain the documents required, help present your application clearly and support you throughout the mortgage process.
Clear advice. Personal support.
Leave your details and I’ll get in touch to talk through your circumstances.
Meet your adviser
Credit problems happen for all sorts of reasons — redundancy, relationship breakdown, unexpected bills or simply a difficult period financially.
I’ll take the time to understand what happened rather than just looking at a credit score.
If there’s a mortgage option available now, I’ll explain it. If there isn’t, I’ll tell you what may need to change before you’re ready to apply.
You’ll deal directly with me throughout — not a call centre or a different adviser every time you call.
Clear advice. Personal support.
See some of the buyers and homeowners I've supported as they moved forward with confidence.
Alice and Brad
Home Movers
Francesca and Charlie
Home Movers
Sarah and Harry
First-Time Buyers
Lewis and Ella
First-Time Buyers
Colette and Oliver
First-Time Buyers
Charles and Gemma
Home Movers
Anna and Oscar
Home Movers
Tell me a little about your situation and I’ll personally take a look.
Clear advice. Personal support.
Clear answers to the questions customers ask most often.
You don’t need to work it out yourself. Tell me what’s happened and I’ll review your circumstances before you approach another lender.
Your next step
Start with a confidential conversation. I’ll review your circumstances, explain your realistic options and help you understand the best next step.
No judgment. No pressure. Just clear mortgage advice.