Getting a Mortgage When Self-Employed
If you’re self-employed and dreaming of buying a home, you might be wondering if getting a mortgage is even possible. With the increasing number of
6 July 2023
Adverse Credit Mortgages
If you are struggling to get a mortgage due to adverse credit, our team can help. We have helped hundreds of people with bad credit secure a mortgage.
Enter your details to talk through your options and find the right solution:
Can you get a mortgage with bad credit?
We do not believe that because of historic credit issues you should not be able to own your own home. We believe that everybody should have this opportunity and we are here to help you achieve this.
Whether or not you will be accepted for a mortgage with bad credit will depend on several different factors, these can include:
- The reason for the bad credit.
- How historic the bad credit issues are.
- The type of bad credit.
What can cause bad credit?
As specialists in bad credit mortgages, we understand that life is not always plain sailing and there are many reasons why your credit score may not be where it needs to be. We work with you to fully understand your personal circumstances and help find the right solution for you.
Some of the most common reasons for poor credit are:
- Missed or late mortgage payments.
- Missed or late loan, credit card or finance payments.
- The use of payday loans.
- Registered Bankruptcy or Individual Voluntary Arrangement (IVA)
- CCJ’s and Defaults
- No Credit History
There can be many reasons why these blips may have occurred, and it can often not be your fault.
You may have suffered an injury that meant you couldn’t work, you may have been made redundant in the past or maybe you have been through a divorce that left you with unmanageable debts. Whatever the reason we want to help you.
Download our FREE adverse credit mortgage guide
This guide is designed to help you understand the mortgage process if you have poor credit. It includes:
- The 4 tips on improving your credit score
- How lenders assess applications with bad credit
- Answers to many frequently asked questions
Download now and get yourself mortgage ready.
Why Choose Complete Mortgage Advice?
We have helped thousands of people secure mortgages. Please get in touch to find out how we can help you too.
- Access to specialist adverse credit lenders
- Whole of Market advisers
- Advice tailored to you
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.
How we can help with Adverse Credit Mortgages?
We work closely with a selection of specialist lenders who offer bad credit mortgages.
We work with you and them to find the right mortgage solution for your circumstances. This enables us to offer you full independent advice on your ability to obtain a mortgage.
If we discover you are not in a position to apply for a mortgage, then we will work together to help get you to a position where you will be able to in the future.
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"Dealing with Tom feels like talking to a friend. Thank you so much for going above and beyond, we will not hesitate to recommend you to anyone needing help or advice."
Kira, Plymouth
"Incredible service from Start to finish. I contacted Tom whilst I was not in the most lendable position. This never fazed Tom. Within 24 hours I had gone from zero mortgage options to multiple. There is no doubt that we will be using his services again."
Adam, Plymouth
"Outstanding, professional and prompt service. Tom was efficient and made the process simple and quick. All I had to do was reply to his emails! Thanks Tom."
Maxine, Plymouth
