If you have had problems with credit in the past you may find it difficult to get a mainstream mortgage or remortgage. But don’t worry, there are plenty of specialist lenders at hand who provide mortgages for people with a poor credit rating or adverse credit history.

Until relatively recently you would have faced real difficulty in getting a mortgage at all if you had previous mortgage arrears or a County Court Judgement (CCJ) against your name. It wouldn’t have mattered to the lenders if you’d sorted out your credit problems since and become an affluent and successful member of society because they would have regarded you as too much of a lending risk.

Fortunately, times change and the UK mortgage market has changed with them. Having a bad credit rating does not stop you from securing a good mortgage deal. We work closely with a number of lenders in the UK who are happy to provide home loans for people with credit problems. We'll ensure you get one of the very best rates around for your circumstances.

A bad credit rating can be caused by a number of reasons. Many people have suffered life-changing events such as divorce, redundancy or long-term illness, which has led to them not meeting their credit obligations. Others have experienced business problems which led to bankruptcy.

Even if you've been refused elsewhere we can still get the right mortgage for you. We can help people with CCJs - County Court Judgements, defaults, poor credit score, adverse credit history and discharged bankrupts.