Bad Credit Mortgages: Let’s help you unlock the best deal

With many banks and high street lenders continuing to tighten their requirements, it can be tricky to find a mortgage that’s suitable for you if you currently have bad credit.

Whilst challenging, it is possible and CCJ Expert has access to the whole of the market, with in-depth knowledge on specialist lenders who regularly provide bad credit mortgages, also known as adverse credit mortgages.

We understand that every individual’s situation is unique but we focus solely on sourcing mortgages for people with poor credit, simplifying the entire process, whilst opening the door to a collection of experienced and dependable adverse credit lenders.

With a highly trained team of specialist advisors, we arrange mortgages for people suffering from:

  • No credit history
  • Late payments
  • Defaults
  • Repossessions
  • Incorrect address listed on credit report
  • Poor credit score
  • Poor bank account conduct
  • CCJs
  • Bankruptcy
  • Not being listed on the electoral roll
  • High volume of credit applications
  • Missed mortgage payments
  • IVAs
  • Payday loan debts

Unlocking doors to find experienced bad credit lenders

Whatever your situation, it’s important to know that you’re not alone. It’s true that the credit crunch left many lenders struggling to find their feet, but there are plenty of specialist alternatives out there and we can ensure you get the right advice every step of the way. Looking beyond your credit score, these lenders consider your income, outgoings and financial situation to make a final decision. In addition to proving complete market access, CCJ Mortgage Expert can increase your chances of success, ensuring you understand every aspect of your prospective purchase, including rates, terms, lenders and features. It’s important to understand that every bad credit lender will specialise in a unique area, so for example, if you have a default, your ideal lender will be very different to one specialising in bankruptcy plans.

Having acquired an in-depth understanding on the industry as a whole, and bad credit mortgages in particular, our goal is to continue offering an exceptional level of support for people with poor credit. Purchasing a home should be seen as a big step forward and an exciting period in your life but you don’t have to let your current credit score get in the way of your dreams and vision for the future.

How we can maximise your chances of success

CCJ Mortgage Expert is an independent broker so there is absolutely no preference for any particular lender. We work for you, helping you understand and compare the most suitable financial products, whilst taking your current situation, budget and goals into account. We’re one of the few nationwide mortgage advisors who will sit down with you face-to-face, managing and processing your application without delay, speeding up the entire process for you, including research, comparisons and applications. Bad credit doesn’t mean you have to delay your plans of buying a home, so whether you’re suffering from a CCJ, default or a series of missed payments, we can ensure your journey to finding the right mortgage is smooth and stress-free.

CONTACT US

If you wish to speak to us about your current situation, or want to learn more about us and how we can help you, please call CCJ Mortgage Expert today
on 0800 488 0004,
or send us a message and we’ll be back in touch as soon as possible.