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

Steve and Sue made the whole process very easy and calming. The advice given set me at ease as I thought I wouldn’t be able to get a mortgage due to credit issues of the past. Highly recommend!

Mr Wright
11th Mar 2020

Thanks both for all your help!

Anonymous
14 Feb 2020

Excellent service, always informed me of any information required in a timely manor.

Ms Ross
13 Feb 2020

Steven and Sue were extremely helpful and knowledgeable and their calming influences made us feel at ease throughout the whole process.

Baggott
03 Feb 2020

Very obliging, helpful and provided all the guidance we could have expected.

Millar
23 Jan 2020

Steve provided an excellent service to us and ensured we had the necessary documentation in readiness for our mortgage application. He was very patient in dealing with all our enquiries looking through several scenarios to suit our situation. The process was seamless and very satisfactory.

Ayodele
13 Jan 2020

SN Mortgages understood our position extremely well, even when there was an unexpected potential move rather than the remortgage.

Elliott
28 Nov 2019

Thank you – yet again! We have organised a variety of mortgages over the years with SN Mortgages. The mortgage process is always complex by nature, but Steve and Sue always make the ‘journey’ as seamless as possible. Calm, friendly, helpful.

Webb
28 Nov 2019

S N Mortgages have provided an excellent service. They have been very accommodating to my personal requirements and provided a timely, yet thorough service. They provided multiple product options and talked me through the benefits in each case. Thank you both for your support and patience.

Mr & Mrs Tarring
14 Nov 2019

Thank you Steve & Sue for all your hard work in in securing a mortgage for us to purchase our first home. No query or question was too much trouble, thanks again.

Mr Hockley & Miss Lee
07 Nov 2019

As always, both Steven and Sue were knowledgeable, helpful, informative, quick and a pleasure to deal with.

Clive Saffron
19 Aug 2019

Bad Credit Mortgage Lending Criteria

Mortgage with arrears

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

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

CONTRACTOR MORTGAGES

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

Mortgage with CCJ

MORTGAGES IF YOU HAVE CCJ’s

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

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

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

DEBT MANAGEMENT PLANS

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

MORTGAGE WITH AN 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

AFTER A REPOSSESSION

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

HELP TO BUY MORTGAGES

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!

SHARED OWNERSHIP

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

RIGHT TO BUY

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

FIRST HOME FUND

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

PRODUCT TRANSFER MORTGAGES

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 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

SECOND CHARGE MORTGAGES

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

BOOST YOUR 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.

3 REASONS TO ASK ME TO ARRANGE YOUR MORTGAGE

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.