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

Can I get a Right to Buy Mortgage with Bad Credit?

Yes is the answer – borrow 100% of the Discounted Purchase Price to buy your Council Home.

I know of 7 lenders that offer 100% Mortgages so you would not need a deposit.

Thank you for taking the time to look at my website and I trust you find the answer you are looking for. Right To Buy Mortgages are readily available from the High Street lenders however many of them will only accept you if you have a clean credit history.

I assume however you are having trouble getting a Right to Buy mortgage because of your credit history but I have access to lenders who will consider you with a poor credit history.

The first thing to do is to download a copy of your credit file from Check My File as they provide data from three credit reference agencies – Equifax, Experian & TransUnion – so it is a good place to start to get an overview of your credit history. It maybe that once I have identified a lender, we get copies of your credit file directly from the agency the lender uses to make absolutely sure your credit history is OK for that particular lender.

Here is the link to Check My File which is free for 30 days and then £14.99 a month – you can cancel online anytime – which checks all three.

I will read it through to make sure you qualify for a mortgage by checking your credit history against their lending criteria.

If your credit history is OK, the next step is to see if you pass the lenders affordability test. I will email to you a short form to complete that will give me all the necessary information about yourself. I then use this information on the lenders affordability calculator to see if you pass.

And when you pass both of those steps, and having been granted the Section 125, we submit a full application to the lender with all other supporting documents they will need to offer you a mortgage e.g. payslips, P60, bank statements, proof of ID ( Passport) proof of address (Driving Licence) Section 125 etc.

As with all adverse credit mortgages, the key to seeing if you can find a lender prepared to lend to you lies in your credit file so it is important I see this as soon as possible.

Here are some of the key points of the Right to Buy Mortgage scheme if you have adverse credit:

  • Up to 6 CCJ’s or Defaults can be considered in the last 12 months
  • Up to 3 missed / late rent payments can be accepted in the last 12 months (only 1 in the last 3 months)
  • Interest only considered
  • No early repayment charges only a £195 Redemption Administration fee.
  • Many income sources accepted – employed, self-employed, DWP, Benefits or Pensions.
  • If you have the Right to Buy but are struggling to find a mortgage, give me a call or drop me an email and I will see how I can help.

Right to Buy in London

With the rise in London property prices over the past few years, now may be a good time to see if you have the right to buy your home from your Landlord.

Right to Buy in London has seen over 250,000 Londoners get onto the property ladder since the Right to Buy scheme was introduced by Margaret Thatcher (source BBC website 12th January 2015) and with discounts for London increasing to £103,900 from April 2015 and the Right to Buy qualifying period being reduced down from 5 years to 3, more and more tenets are now becoming eligible to buy their council home.

To see if you are eligible for the Right to Buy your home, complete this form (RTB1) and send it to your local landlord.

If successful, your Landlord will send you an offer letter (S125) that sets out the terms for you to purchase and you have 12 weeks to get everything in place.

The Governments guide to buying your home is a little out of date regarding the discounts and qualifying period, but is still a very good brochure.

If you have a poor or adverse credit history, you may still be eligible for a Right to Buy mortgage but first download a copy of your credit file from Check My File and email it to me. I will read it through and confirm if you could get a mortgage and then call you back explaining your options.


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.