BAD CREDIT MORTGAGE SPECIALIST

Refused a mortgage?
Don't worry… we've got you :)

Finding bad credit mortgages is our speciality. We can help you when the bank says no!

Unsure? Read a little more or hit the ‘Get Started’ button.

5.0 ★★★★★ Excellent 350+ Reviews Rated by customers on Google
Contact us to start your
mortgage dream.
★★★★★

Your home may be repossessed if you do not keep up repayments on your mortgage.

Finding you a deal with trusted lenders

Bad credit doesn't mean you can't access the UK biggest lenders!

We have access to over 100 of the most trusted lenders and it's super easy to get started.

Here's what our clients say

★★★★★ Rated 5.0 on Google — read all our reviews
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Brandon and Abi Holland
Trustpilot review
★★★★★

“Luke has been amazing start to finish, our case hasn’t been the easiest but he’s preserved and obtained us our mortgage offer. We can’t thank him enough for all his hard work and dedication. We certainly wouldn’t have got this far without him.”

V
Vicky Lock
Trustpilot review
★★★★★

“Myself and my partner is buying our second house we have been disappointed not being able to get a mortgage but we manage to get one through Luke platt who has been incredibly helpful and supportive along the way he has updated us and kept us in the loop with everything”

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Sarah
Trustpilot review
★★★★★

“We can highly recommend Richard from smiths financial Solutions. We are in a rent to buy property and wanted to go onto shared ownership. We were clueless about the whole process but Richard helped us so much. Super quick and helpful with answers.”

K
Karl Andrews
Trustpilot review
★★★★★

“Dealing with Luke at Smiths Financial Solutions turned what started as a daunting and stressful time into a smooth and reassuring experience. We had previously dealt with another broker recommended by the sales office, which unfortunately left us with a negative impression and little hope.”

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Alexandra Rutter
Trustpilot review
★★★★★

“My situation trying to ascertain a mortgage was so complex. I had status 6 mortgage arrears following a marital breakdown and a single mother of 2, left with only a small deposit. The chances of getting a mortgage was impossible. I was turned away by about 7-10 financial advisors and told straight, I would not get a mortgage for at least another few years.”

Specialist bad credit mortgage advisers

A poor credit file doesn't mean the door is closed. High street banks use rigid automated scoring, but specialist lenders assess your story — how old the adverse credit is, why it happened and what's changed since. We place cases every week for clients with defaults, CCJs, arrears, debt management plans, IVAs and discharged bankruptcies.

Credit issues we deal with every day

Defaults & CCJs

Many lenders ignore satisfied defaults and CCJs after a certain point. We know exactly which ones and when.

Talk to an adviser

Missed payments

Late payments on credit cards, loans or a previous mortgage don't have to stop you buying or remortgaging.

Talk to an adviser

IVAs & bankruptcy

Discharged bankruptcies and completed IVAs are placed with lenders every week. We handle the whole case for you.

Talk to an adviser

Declined elsewhere

Turned down by your bank or a comparison site? A decline isn't the end — it usually means the wrong lender.

Talk to an adviser

Enquire about a bad credit mortgage

Send us your details and a quick note about your credit situation. A specialist adviser will come back to you with the lenders most likely to say yes.

  • Soft process — your credit score is untouched
  • A real adviser, not a call centre
  • Your data is never sold to third parties
★★★★★

Your home may be repossessed if you do not keep up repayments on your mortgage.

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