Poor Credit Mortgages in Derby, Derbyshire and the UK

Each credit reference agency uses its own scale, and there is no single cut-off that lenders use. Specialist lenders look at your whole credit history, such as what happened, when and whether it is settled, not only your score.

Most poor credit mortgages need a deposit of 15% to 25%. The amount depends on how serious and how recent your credit problems are.

Often, yes. Being declined by a bank does not mean every lender will say no. Specialist lenders have different rules, and we know which ones fit your situation.

We use soft searches in our first checks, which do not show to other lenders. Only a full application leaves a hard search on your file.

Yes, in many cases. Some lenders understand self-employed income and some will lend after an IVA, a debt management plan or bankruptcy, once enough time has passed.

Usually, yes. Poor credit mortgages are often 1% to 3% higher than standard rates. As your credit improves, you may be able to remortgage to a better rate later.

Yes. Many of our clients remortgage to lower their payments, raise money or bring debts together.

Typically four to eight weeks from application to completion.

Check your credit file for mistakes, pay down debts where you can, avoid new credit applications and let older problems age. We can tell you what will help most in your case.

Your first chat with us costs nothing. We explain any fees clearly and in writing before you decide to go ahead.