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Bad Credit Mortgages

We specialise in adverse credit mortgages

Bad credit does not mean that you cannot get a mortgage, it may just be more difficult and that's why we are here!

Why do I have a poor credit score?   

The credit score is calculated based on your credit history and other information and it is used by lenders to determine what type of borrower you are and how likely it is that you will manage your repayments. Ultimately however, it is not the credit score what will impact a lender’s decision, it is the different information recorded in your credit file.

Here are some of the factors in your credit file that may contribute to a low credit rating:

  • Having County Court Judgements (CCJs) or Defaults registered against you
  • Being in a debt management arrangement (known as Individual Voluntary Arrangement or IVA), or having been declared bankrupt
  • Not being registered on the electoral roll
  • Having missed or late payments on loans or credit cards
  • Applying for a lot of credit at one time
  • Taking out pay day loans
  • Being connected (e.g. through a joint mortgage or bank account) to someone with a bad credit rating


Why choose us?

Whole of market broker

We will research thousands of deals and over 90 lenders to find you the right mortgage

Independent mortgage advice

Our advice is tailored to your circumstances and requirements, always serving your best interests

5 star reviews

We provide honest and unbiased advice and our clients' feedback is a true testimony of that

Local broker

Your dedicated broker will be your point of contact through the entire mortgage process

Can  I improve my credit score? 

Bad credit isn't for life! Your credit score can improve by taking action and here are a few tips you should follow:

  Check your credit report. We always recommend to take a pro-active approach and obtain your credit report, especially if you want to apply for a mortgage. Check your credit report for any inaccuracies and correct them straight away.

  Register on the electoral roll and ensure your credit record shows your correct address history. Lenders use this to confirm that you are who you say you are.

  Pay off your debts. The amount of debt you have is one of the biggest factors that goes into your credit score, it accounts to 30% of your score. It also takes into account how close your loan balance is to the original loan amount. Paying your loan balances is better for your credit score.

  Pay your utility and phone bills on time. Missed and late payments can stay on your credit file for up to six years.

  Disassociate yourself from any financial partners with a poor credit history as their low credit rating may impact yours.

  Avoid making multiple credit applications in a short space of time. This may have a negative impact on your credit history by showing lenders that you are “hungry” for credit

  Save for a deposit – having more deposit will increase your chances to find a lender who will be flexible enough to consider someone with a patchy credit history. 

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How we can help

Many of our clients ask this question – Can I get a mortgage if I have bad credit? Taking out a mortgage when you have a poor credit may seem like an impossible mission but we are here to tackle this challenge for you:

  We are a whole of market independent mortgage broker who will utilise all the expertise in adverse credit mortgages to help you succeed in this mission..

  We understand that circumstances can lead to an impaired credit history. We also understand how much more difficult it is to find a mortgage if you have bad credit.

  By speaking to Fairview Financial, you can save time, money and hassle just by having a quick conversation. We offer a free, no obligation fact find to understand your circumstances and the cause of your poor credit rating and we will work with you to secure you the most competitive mortgage.

  Whether or not you have “poor” credit can be quite subjective because criteria varies between lenders – while one lender may reject your mortgage application, another lender may accept it. Fairview Financial works with a wide panel of adverse credit mortgage lenders offering solutions tailored for people with adverse credit so we can find you a mortgage even in the most complex of circumstances.

  We will also take care of the full application from start to finish and support you through the whole process.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Bad credit? Let's discuss your mortgage options.

Speak to an adviser now or let us call you back.


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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee  is £295 and this is paid when the mortgage is offered.  We do not charge a fee to First-Time Buyers. We may however charge a fee for Shared Ownership mortgages and Help-to-Buy mortgages, due to the complexity of the work involved.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

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