Buying a property is one of the biggest financial commitments in your life. And it’s one to be proud of. But if you have a history of debt, have previously fallen behind on payments, or have no credit history at all, you might be wondering whether you can get a mortgage. We’re here to tell you that you can. Here at Adverse Mortgage Advisors, we have a pick of specialist lenders willing to take on applicants just like you. And we’ll be there with you through every step of the process.

From making use of government schemes to learning about self-employed mortgages, we can offer professional mortgage advice to make sure you get the best deal possible in line with your circumstances. We won’t take on any applicant that we don’t believe in. And once we do take you on, we’ll be fighting for your application until you get that important offer through. For more information, continue reading below or get in touch with us directly.

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Equity Release
An equity release mortgage is only available for those aged 55 and over. We’ll use our expert knowledge to look into your options to help you get started.
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Unsecured Arrears
Getting a good mortgage deal when you’ve previously missed payments can be difficult. But that’s what we’re here for; we can secure you a great lender who can help.
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No Previous Credit
Without previous credit, it can be difficult to prove your ability to manage debt. With our market knowledge, we’ll find you a lender that doesn’t credit score your application.
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Help to Buy, Shared Ownership or Right to Buy
Here at Adverse Mortgage Advisors, we understand the requirements of these schemes and whether you have a bad credit profile or not, you can trust us to get your application right for success.
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Self Employed or IR35
Difficulty proving your income can make finding a mortgage challenging. We can help find you a lender even if you only have one years’ worth of accounts.
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Missed Mortgage Payments
Applying for a mortgage with missed payments recorded against you can make finding a lender tricky. Our specialists navigate around your financial blips to find you the right solution.
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Bankruptcy or IVAs
Adverse Mortgage Advisors work with a number of specialist lenders who are willing to offer mortgages to those with bankruptcy or IVAs on their credit files.
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A Debt Management Plan
Being in debt doesn’t mean that you can’t have dreams. So if you’re in debt and hoping to get on the property ladder we can help make those dreams come true.
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Defaults or CCJs (County Court Judgement)
Registered defaults or CCJs, repaid or not, won’t stop us finding you a mortgage. Our specialist advisors have access to lenders that can help you.
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Do you qualify for a mortgage?
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FAQs

If you have questions about getting a mortgage with an adverse credit score, read our FAQs. Our wealth of knowledge within this market means that we’re confident in our ability to offer specialist mortgage advice and secure the mortgage you want regardless of your credit history.

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