Bad / Adverse Credit Mortgage

Having bad credit doesn't automatically mean that you must settle for a subpar mortgage.

Contact Now

Adverse credit, which refers to a history of missed or late payments, county court judgments (CCJs), or being enrolled in debt management plans or individual voluntary arrangements (IVAs), can make securing a mortgage challenging. However, it doesn't make it impossible.

With a bad credit mortgage, you still have the opportunity to borrow money, provided you pass the credit checks conducted by mortgage lenders. Naturally, you might wonder how you can obtain a mortgage with bad credit and whether your perceived higher risk affects the process. Your credit history and credit score do play a role in this, and understanding the impact they have is crucial. Moreover, you might be curious about the interest rates associated with adverse credit mortgages.

Rest assured, we can address all your concerns and more. We specialize in helping individuals with bad credit find the right mortgage solutions. We have the expertise to guide you through the process, explaining the intricacies and ensuring that you secure a mortgage that suits your needs. By leveraging our knowledge and resources, we can help you overcome the challenges associated with bad credit and obtain a mortgage on favourable terms.

Contact us today to receive the guidance and support you need to navigate the world of bad credit mortgages successfully.

First Time Buyer

We understand that moving houses can be an incredibly stressful experience, but our clients often find it exciting, especially if they're first-time buyers.

View more

Re-mortgage

When the time comes for change, we ensure that it's a positive one.

View more

Home Movers Mortgage

When the time comes to relocate, we strive to move forward in the right direction.

View more

Buy-To-Let Mortgage

Are you interested in entering the property market and building a successful property portfolio?

View more

Self Employed Mortgage

Securing a mortgage as a self-employed professional can present unique challenges.

View more

Second Charge Mortgage

We provide a solution for raising funds without the need to re-mortgage your property.

View more

Commercial Mortgage

We offer access to a diverse range of commercial finance options for both businesses and individuals, catering to various market sectors, budgets, and commercial properties.

View more

Bridging Loan

A bridging loan is a short-term financing option designed to bridge the financial gap between purchasing a new property and selling an existing one, especially in time-sensitive situations

View more

Why Us?

We offer comprehensive financial and life planning that enables you to navigate the complexities of your financial journey with clarity and confidence

You can rest assured knowing that our professional team will be there to support you at every step

Blogs

23 March 2024 How To Convince A Mortgage Lender To Approve Your Application

For many people, getting a mortgage is essential to buy a house, but only if it…

Continue Reading

06 March 2024 Mortgage Advice for First-Time Buyers | 7 Glorious Tips

Going through the rigmarole of becoming a first-time buyer can indeed seem like a chore.…

Continue Reading

Read more blogs
 

Contact Us

Do you have any questions or concerns? Kindly complete this form, and we will respond to you promptly.





     

    Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.

    Wealth Financial Services Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Cuduct Aughority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 997684. The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.

    There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

    Wealth Financial Services Ltd is Registered in England and Wales No.: 14754538. Registered Address: Crown House, Suit 302, London, NW10 7PN.

    Commission Disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not influence the amount that you pay to that lender under your credit agreement.

    Making a Complaint: It is our intention to provide you with a high level of customer service at all times.  If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.