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.

Esrskine&Machaj
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.

Foster
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.

Daw
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.

Thomas
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.

Harden
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.

Mulready
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.

Hayward
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!

Day
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!

Patel
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!

Young
1st July 2021

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.