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Struggling with Poor Credit? You’re Not Alone —And There’s Help!

Let’s be honest, life happens, and sometimes our credit score takes a hit. Maybe you missed a payment, had a rough patch, or just found things a bit overwhelming. If you’re in the UK and worrying that poor credit means you can’t get a mortgage, I want you to know: it’s not the end of the road.

We been helping people find the right mortgage for over a decade, and we have seen every kind of credit story you can imagine. The truth? There’s almost always a way forward.

Why Does Poor Credit Happen?

It’s more common than you think. Maybe you’ve had a CCJ, a default, or a late payment here and there. Sometimes it’s because of a big life event, like job loss, illness, or even just a busy spell where things slipped through the cracks. The good news is, lenders know this too. There are lots of options out there for people with less-than-perfect credit.

What Are My Options?

Here at Mortgage and Finance Arena, we specialise in helping people with all sorts of credit backgrounds. We work with lenders who understand that your credit score is just one part of your story. Whether you’re looking for a residential mortgage, thinking about remortgaging, or even need something a bit more specialist, we’ve got you covered and its all available all under one roof.

What Can You Do Right Now?

  • Check your credit report for any errors or surprises.
  • Don’t panic—there are always options.
  • Get in touch with a friendly expert (that’s us!) who understands the UK market and FCA regulations.

Why Choose Us?

We’re a small, experienced team based in Derbyshire but serves the rest of UK, and we pride ourselves on giving honest, straightforward advice. We know the lenders who look past the numbers and see the person. Plus, everything we do is FCA compliant—so you’re in safe hands.

Let’s Chat!

If you’re worried about your credit and want to see what’s possible, just get in touch. No judgment, no jargon—just real help from people who care.

Ready to take the next step? Give us a call or send us a message today. Your new start could be just around the corner!

Get in touch with our team to get a handle on your finances…

If your mortgage term is coming to an end, your thinking about mortgaging or looking at switching mortgages our team can help you.

Honest opinions from people like you

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.
The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.
Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.
If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

We’re here to help you.

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