Finding a mortgage with a poor credit history is difficult and has to be approached very carefully because of the shortage of lenders available in this market. Having the advice of a qualified Poor Credit Mortgage Broker will greatly enhance your chances. With only a few sub prime lenders to choose from, getting it right first time is very important.

Steven Neale – Specialist Bad Credit Mortgage Broker

Our experience as first time buyers was simply exceptional! We have been guided through the mortgage process and buying our first home has been an easy journey thanks to your professionalism and efficiency.

13th Jan 2022

After thinking I was going to lose the new home I had fallen in love with, Steven worked hard with me and understood my circumstances. I was at the point of nearly giving up and within 4 weeks I had a full mortgage offer. Thank you for making my dreams come true. I would highly recommend your services. Absolutely no bull or jargon.

T Jones
10th Jan 2022

The service we have received has been amazing. We were kept up to date every step of the way. Honestly, the relief on my face when I received your email with the mortgage offer was priceless. I can not thank you both enough you are both amazing at what you do. We can not thank you enough for everything, Thank you so much, you have made our dreams a reality.

4th Nov 2021

Thank you foremost for choosing to specialise in adverse credit services for people. All we read online is that it is not possible or easy to get any form of credit when you have or settle an IVA and I’m so glad I kept looking and found you. You have helped us more than you’ll ever realise. We are so happy to have a chance to start again and be able to remain on the property ladder, all thanks to you.

1st Nov 2021

I would highly recommend Steve and Sue. Getting a mortgage seemed to be difficult for me at first when speaking to another advisor, I very nearly gave up due to the lack of effort and communication. Once we got in touch with Steve everything fell into place. Both Steve and Sue were very professional and informative throughout the process.

27th Jan 2022

Steven & Sue have been absolutely amazing through the whole process – extremely calm, organised and helpful. We will definitely be using them in the future and would highly recommend them to family & friends.

20th Sept 2021

Steve and Sue have been absolutely amazing. I was really worried about my financial history meaning I wouldn’t be able to get a mortgage but they were nothing but supportive and non-judgemental, always available to explain things and answer questions as well as extremely efficient.

18th Jan 2022

The professionalism of Steve and Sue is second to none. We were advised of our options and guided through the application process every step of the way. The big thing for us was the personal touch and relationship we built. My wife and I both agreed it felt like Steve and Sue are so motivated because they actually want to help. Probably the best professional service I have ever used so if you find yourself in need of a specialist mortgage broker look no further. Great service great people.

28th March 2022

Struggling to ‘get back’ on the housing ladder after 15 years and being ‘self-employed’ was proving near enough impossible, until we found Steve & Sue. They found us a lender that would use my ‘day-rate’ rather than the usual ‘self-assessment’ and even though there was stumbling blocks along the way, they get us over the line with a ‘mortgage offer’! We can’t thank them enough and would definitely have no hesitation in using them again!

28th July 2021

A fantastic service provided by SN Mortgages once again. Highly recommend SN Mortgages, they have been brilliant at finding the best rates for us, keeping in regular communication and quite frankly achieving the impossible! Where other brokers fail to come back to us or could not find a deal, SN would always go the extra mile and revert back. Thank you so much!

22nd July 2021

We are so grateful to Sue and Steve for all their effort in helping us get our mortgage. Their knowledge and clear love of their job shines through and they have been on hand to answer all our questions no matter how silly or small. They have clearly explained everything from start to finish which has made us feel so much more at ease throughout the whole process. We can’t recommend them enough!

1st July 2021

Mortgage with arrears


The tricky one. Would you lend to someone if they had missed payments on their mortgage? Thankfully, there are lenders who will.

Mortgage after bankruptcy


Many people I talk to are delighted to find that after talking to me they do qualify for a mortgage having been made Bankrupt.

Contractor mortgages


Has Your Contractor Mortgage Been Declined? Special circumstances need a Specialist Contractor Mortgage Broker.

Mortgage with CCJ


The main consideration a credit lender will want to know when looking at the CCJ’s on your credit file is the date they were registered.

Mortgage refused


Having been refused a mortgage isn’t the end of your home buying dream, but what you do next is very important.

Mortgage with defaults


Any Defaults registered over 2 years ago can be ignored, do not have to be repaid and you could borrow up to 100% of a property’s value.

Mortgage with DMP


I will help to prepare your applications, limit the impact of your DMP, and secure the finance needed to purchase your new home.

Mortgage with IVA


If you have equity in your home, you could arrange a remortgage to clear your IVA early by offering a reduced settlement amount to your creditors.

Mortgage after repossession


This is the tricky one! Understandably lenders are extremely wary of lending if you have previously had a property repossessed.


I know of 6 lenders that offer mortgages if you have a poor credit history. One of them will accept 5% Cashback from the builder as your deposit!


100% Mortgages Available! A Shared Ownership property can help you get on to the property ladder sooner as you only need a smaller mortgage.


Mortgages are readily available from the High Street however many of them will only accept you if you have a clean credit history.


First time buyers with bad credit in Scotland can get up to £25,000 towards the cost of a new build or existing property


By using a Product Transfer, Homeowners could save hundreds of pounds per month by changing their current lenders interest rate to a new deal

Bridging Loans


Bridging finance really should be your last place for finance having exhausted family, friends, mortgage lenders and second charge lenders.

Second Charge Mortgage Loans


Do you need a loan but your existing mortgage lender has said no? The answer maybe a Second Charge Mortgage.

How to boost credit score


Each lender scores you differently, so this is more art than science, especially because lenders are tight-lipped about what they’re looking for.

What is a Bad Credit Mortgage?

A bad credit mortgage, typically offered from a specialist lender, is a type of mortgage aimed at those who have a poor credit history and would otherwise struggle to be accepted for a standard mortgage from a high street lender.

Depending on the lender and personal circumstances, bad credit mortgages can be offered to applicants with a wide range of credit issues, such as missed payments and arrears to defaults and CCJs. I’ve also helped many clients with more serious credit issues, such as IVAs, Discharged Bankrupts, DMP’s and repossessions.

Can I get a Mortgage with Poor Credit?

The short answer is yes, but it’s all about the timing.

Looking at your credit history alone, I can always get you a mortgage, so the questions should be ‘when can I get a mortgage with bad credit’ and ‘how much could I borrow?’

When can I get a mortgage with bad credit?

The amount of time between the adverse marks on your credit file and your mortgage application, is crucial.

For example, if you had a CCJ or Default that was registered more than 6 years ago, you could get a mortgage today without a problem. However, if they were 3 to 6 months ago, it would be much harder to get a mortgage – though not impossible, as I have lenders who would consider you even in these circumstances.

If you are in a Debt Management Plan, some lenders will only lend if it finished 12 months ago, whereas others say it must have been running for 12 months but does not have to cleared. And some lenders even say there is no minimum term it has to have been running.

How much could I borrow with poor credit?

If you are buying a Shared Ownership property, you could borrow up to 100% of the share you wanted to buy, so you would not need a deposit. This option makes it possible to get a 100% mortgage with bad credit.

If it was under the Government’s Help to Buy scheme for new build properties, then you would only need a 5% deposit with the Government adding the other 20%, with a mortgage for the remaining 75%. This is a popular choice for those looking for a small deposit mortgage with bad credit.

For a standard property you could borrow up to 95% with poor credit, if your credit history has been OK for the past few years. This is where time is important as the shorter the period between credit issues and the mortgage application, the more deposit you will likely have to put down.

For first time buyers in Scotland, you may want to consider the First Home Fund scheme, which offers up to £25,000 towards the cost of a new build or existing property.

Why should I use a Bad Credit Mortgage Broker?

Applying for a mortgage with adverse credit is a tricky business. If your mortgage application is rejected, this can act as a red flag to other lenders. This is why it’s crucial to get it right first time, by using an experienced and qualified bad credit mortgage broker, who can tell you with a high degree of certainty, who is likely to lend, and who is not, based on your credit file and personal circumstances.

Unlike applying for a mortgage with a high street lender, where there are sourcing systems that quickly & easily find the best mortgage for you by entering your details, there is no such help when it comes to finding a bad credit mortgage.

First, a Broker has to read a copy of your credit file and understand its contents. It requires a real understanding of the information on your file to be able to match the information to a lender, and this can only be learnt with time and experience.

Having read your credit file, a broker has to manually look for an adverse mortgage lender that would consider you based on your credit history (as well as other factors such as income and employment status). There is no automatic process for this so each lender’s criteria has to be assessed to see whether they would lend.

Steven Neale

Specialist Bad Credit Mortgage Broker


Years of Experience

I specialise in Bad Credit Mortgages for people who have a poor credit history because of any number of reasons.

Choice of Lenders

I am a Whole of Market, Mortgage Broker meaning I can talk to every lender to see about finding you the right mortgage.

Saving You Money

As a specialist Mortgage Broker for over 30 years I have a great deal of experience that will help save you time & money.