Adverse Credit & Complex Mortgages
Adverse credit and complex mortgages can open doors where mainstream options may not. However, they often involve higher deposit requirements, restricted borrowing limits, and higher interest rates, reflecting the additional risk assessed by lenders.
[ TIMELINE ]
1 - 3 months
[ CLIENT ]
Personal Borrowers
Sole Traders
Limited Company
[ OUR APPROACH ]
Choice may be more limited, and in some cases additional criteria or supporting applicants may be required. A full assessment of your circumstances is essential, and in certain situations a structured improvement period may be more appropriate before proceeding.
Clear direction - We interpret your circumstances and outline a realistic route through complex credit challenges.
Detailed analysis - Your credit profile, income structure, and history reviewed to identify lenders who look beyond standard criteria.
Measured progression - A steady, guided process with transparent updates as we move from enquiry to offer.
[ PRODUCT TYPES ]
1. First-Time Buyer Mortgages
Clear guidance for new buyers, with options supporting standard, adverse-credit, or complex circumstances.
2. Home Mover Mortgages
A smooth solution for movers, including clients requiring lenders who consider non-standard credit or income.
3. Remortgaging
Refinancing for improved rates or equity release, with routes for clients needing deeper credit assessment.
4. Second Charge Loans
Capital raised alongside your mortgage—ideal when remortgaging isn’t suitable due to credit or financial changes.
5. Buy-to-Let Mortgages
Investment-led lending for landlords, with solutions for standard, complex, or adverse-credit profiles.
6. Let-to-Buy Mortgages
A route to retain your property while buying another, including options for credit-affected situations.
7. Specialist Income Mortgages
Lending designed for clients with bonuses, commissions, contractor income, or irregular earnings requiring flexible, non-standard assessment.
8. Self-Employed & Director Mortgages
Specialist lending for self-employed clients requiring tailored income assessment using accounts, tax returns, dividends, or retained profits.
[ WHAT DO YOU NEED ]
Personal
Passport
Proof of address
Credit report
Income
Payslips & P60
SA302s & Accounts
Bank statements
Property
Memorandum of Sale
Estate agent details
Solicitor details
[ GLOSSARY ]
HMO: House in Multiple Occupation
SPV: Special Purpose Vehicle
IVA: Individual Voluntary Arrangement
DMP: Debt Management Plan
CCJ: County Court Judgment
[ DISCLAIMER ]
Your home may be repossessed if you do not keep up repayments on your mortgage.