Adverse Credit Mortgages

While many perceive a bad credit history as a barrier to obtaining a mortgage, at Our Mortgage Broker, we view it differently. We specialize in assisting individuals with bad credit in securing mortgages, whether you're purchasing a home or refinancing.

Hundreds of customers with bad credit have benefited from our services, and we're here to explore how we can assist you.

We have access to a wide range of lenders specializing in bad credit mortgages. Even if you have a registered CCJ, default, missed payment, DMP, IVA, or bankruptcy on your record, many lenders are still willing to offer loans to individuals with poor credit.

Contrary to popular belief, there is no such thing as a "bad credit mortgage." Instead, what people commonly refer to as bad credit mortgages are standard mortgage products with higher interest rates or additional charges due to the applicant's credit history. They are also known as "adverse credit mortgages" or "subprime mortgages."

You may have experienced missed payments, CCJs (County Court Judgments), bankruptcy, or participation in a DMP (Debt Management Plan), all of which can negatively impact your credit score and limit your financial options.

The silver lining is that consistently repaying a bad credit mortgage over time can help repair your credit rating to some extent, provided payments are made on time.

Let us guide you through the process of obtaining a mortgage tailored to your needs, even if your credit history has been less than perfect.