Adverse Services

Adverse Services

Specialist mortgage advice for adverse credit, complex income and cases that do not fit standard lending criteria.

Specialist mortgage advice for adverse credit, complex income and cases that do not fit standard lending criteria.

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Bad Credit Mortgage

We help clients with CCJs, defaults, missed payments, payday loans, IVAs, bankruptcy history, low credit scores, thin credit files, complex income and previous mortgage declines.

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Bad Credit Mortgage

We help clients with CCJs, defaults, missed payments, payday loans, IVAs, bankruptcy history, low credit scores, thin credit files, complex income and previous mortgage declines.

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Bad Credit Mortgage

We help clients with CCJs, defaults, missed payments, payday loans, IVAs, bankruptcy history, low credit scores, thin credit files, complex income and previous mortgage declines.

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Mortgages after being Declined

A mortgage decline does not always mean you cannot get a mortgage. It may mean the lender you approached was not suitable for your credit profile, income structure, affordability, deposit, property type or wider circumstances.

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Mortgages after being Declined

A mortgage decline does not always mean you cannot get a mortgage. It may mean the lender you approached was not suitable for your credit profile, income structure, affordability, deposit, property type or wider circumstances.

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Mortgages after being Declined

A mortgage decline does not always mean you cannot get a mortgage. It may mean the lender you approached was not suitable for your credit profile, income structure, affordability, deposit, property type or wider circumstances.

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Self-Employed Mortgage

Getting a mortgage when you are self-employed can be more complex than a standard employed application. Lenders may assess your income differently depending on whether you are a sole trader, limited company director, contractor, partner or business owner.

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Self-Employed Mortgage

Getting a mortgage when you are self-employed can be more complex than a standard employed application. Lenders may assess your income differently depending on whether you are a sole trader, limited company director, contractor, partner or business owner.

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Self-Employed Mortgage

Getting a mortgage when you are self-employed can be more complex than a standard employed application. Lenders may assess your income differently depending on whether you are a sole trader, limited company director, contractor, partner or business owner.

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Mortgages with Complex Income

Some mortgage applications are declined not because the client cannot afford the mortgage, but because the income does not fit the lender's policy.

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Mortgages with Complex Income

Some mortgage applications are declined not because the client cannot afford the mortgage, but because the income does not fit the lender's policy.

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Mortgages with Complex Income

Some mortgage applications are declined not because the client cannot afford the mortgage, but because the income does not fit the lender's policy.

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Mortgage with Defaults

Some lenders may consider applicants with defaults, depending on when the default was registered, the amount, whether it has been satisfied and the overall strength of the application.

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Mortgage with Defaults

Some lenders may consider applicants with defaults, depending on when the default was registered, the amount, whether it has been satisfied and the overall strength of the application.

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Mortgage with Defaults

Some lenders may consider applicants with defaults, depending on when the default was registered, the amount, whether it has been satisfied and the overall strength of the application.

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Mortgages with Missed Payments

Missed payments can affect a mortgage application, but they do not always make a mortgage impossible. The outcome depends on the type of missed payment, how recent it was, whether it was isolated or repeated, and how the rest of the case looks.

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Mortgages with Missed Payments

Missed payments can affect a mortgage application, but they do not always make a mortgage impossible. The outcome depends on the type of missed payment, how recent it was, whether it was isolated or repeated, and how the rest of the case looks.

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Mortgages with Missed Payments

Missed payments can affect a mortgage application, but they do not always make a mortgage impossible. The outcome depends on the type of missed payment, how recent it was, whether it was isolated or repeated, and how the rest of the case looks.

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Mortgages with CCJ

If you have a County Court Judgment, also known as a CCJ, you may still have mortgage options. The outcome depends on the date, amount, satisfaction status, number of CCJs, deposit and overall affordability.

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Mortgages with CCJ

If you have a County Court Judgment, also known as a CCJ, you may still have mortgage options. The outcome depends on the date, amount, satisfaction status, number of CCJs, deposit and overall affordability.

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Mortgages with CCJ

If you have a County Court Judgment, also known as a CCJ, you may still have mortgage options. The outcome depends on the date, amount, satisfaction status, number of CCJs, deposit and overall affordability.

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Mortgages with IVA

An Individual Voluntary Arrangement, or IVA, can have a major impact on mortgage applications. Some lenders will not consider an application until the IVA has completed and enough time has passed. Others may review cases depending on the circumstances.

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Mortgages with IVA

An Individual Voluntary Arrangement, or IVA, can have a major impact on mortgage applications. Some lenders will not consider an application until the IVA has completed and enough time has passed. Others may review cases depending on the circumstances.

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Mortgages with IVA

An Individual Voluntary Arrangement, or IVA, can have a major impact on mortgage applications. Some lenders will not consider an application until the IVA has completed and enough time has passed. Others may review cases depending on the circumstances.

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First-Time Buyer with Bad Credit

Buying your first home can feel more difficult if your credit file contains missed payments, defaults, CCJs, payday loans, an IVA or a previous mortgage decline.

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First-Time Buyer with Bad Credit

Buying your first home can feel more difficult if your credit file contains missed payments, defaults, CCJs, payday loans, an IVA or a previous mortgage decline.

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First-Time Buyer with Bad Credit

Buying your first home can feel more difficult if your credit file contains missed payments, defaults, CCJs, payday loans, an IVA or a previous mortgage decline.

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Second Charge Mortgages

A second charge mortgage is a secured loan taken against a property where an existing mortgage remains in place. It may be considered where a homeowner wants to raise funds but does not want to disturb their current mortgage.

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Second Charge Mortgages

A second charge mortgage is a secured loan taken against a property where an existing mortgage remains in place. It may be considered where a homeowner wants to raise funds but does not want to disturb their current mortgage.

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Second Charge Mortgages

A second charge mortgage is a secured loan taken against a property where an existing mortgage remains in place. It may be considered where a homeowner wants to raise funds but does not want to disturb their current mortgage.