Complex Credit: Life happens — and we get that.
Your past won’t define your future property choices.
If your credit history isn’t perfect, that’s absolutely okay. We’ll take the time to understand your story and find specialist lenders who look beyond the numbers, helping you move forward with confidence.
Facing financial difficulties in the past, whether through defaults, County Court Judgements (CCJs), or even formal insolvency events like an IVA or bankruptcy, can make applying for a standard mortgage a frustrating and unsuccessful process.
This is where our expertise in Complex Credit Mortgages becomes invaluable. We can access a panel of niche mortgage providers who specialise in risk assessment based on current affordability and the circumstances surrounding past issues, rather than just the score itself.
We believe everyone deserves a path to homeownership or remortgaging. Our dedicated advisors will meticulously package your application, clearly explaining any historical credit issues and demonstrating how your finances are now stable and well-managed.
Our goal is not just to find you a mortgage, but to find the right one. We guide you through the options, comparing rates and terms from lenders offering products designed for various levels of adverse credit, including ‘light’ adverse (e.g., small, historic defaults) up to ‘heavy’ adverse (e.g., recent bankruptcies).
Don’t waste time with lenders who won’t take the time to listen. Contact our team today for a discreet and expert review, and secure a Complex Credit Mortgages deal that enables you to take that vital next step.
