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Looking for a mortgage with adverse credit?

Our friendly local experts will guide you and find the right deal for your circumstances.

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    First-time buyer to specialist and adverse credit mortgages, we have you covered.

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    It’s a misconception that if you have a history of bad credit, you cannot get a mortgage. Of course, some lenders would prefer you to have a glowing credit report, but that doesn’t mean you are shut off from the mortgage market.

    At Smiths Financial Solutions, we have access to specialist and niche lenders who could be a life line, even if you have adverse credit, a bad credit score, or a low credit rating. Crucially, we pride ourselves on making sure we find the right solutions for an individual’s life circumstances going forward into the future.

    Some reasons you might need an adverse credit mortgage:

    • No credit history
    • Low credit score
    • Late payments
    • Missed mortgage payments
    • Defaults, CCJs and IVAs
    • Debt management plan
    • Repossessions
    • Bankruptcy
    • Payday loans

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