If you’re thinking of buying your first home or moving house, you’ll want to start looking for a mortgage. However, if you’ve had problems with bad credit in the past you may be rightly concerned about your chances of finding an affordable mortgage deal.

When you apply for any mortgage your application will be rigorously checked by your chosen lender. These checks include looking at your outgoings and income, checking out your deposit and examining your credit history. For anyone who has problems with credit in the past, a poor credit report could mean they find it harder to find a lender who will approve their application. Even if you can find a lender bad credit mortgage rates are generally higher than standard mortgages, and you may find the options unaffordable.

That’s where Simply Adverse comes in. We have years of experience of securing mortgages for mortgage applicants with a bad credit history. We know how to find the best mortgage lenders for bad credit, and which of those adverse credit mortgage lenders would be the most appropriate for your circumstances.

Searching for a mortgage or a remortgage can be daunting, particularly if you’re trying to do everything yourself. Going it alone when you have a bad credit rating is even more difficult.

There are many reasons why you may have a poor credit history. These can include not having a credit history, not being on the electoral register or missing loan payments. County Court Judgments (CCJs) can also be a major factor, with CCJs making it difficult to get a mortgage.

Thankfully, a CCJ doesn’t necessarily mean that you can’t get a mortgage. With specialist CCJ mortgage advice and help from the CCJ mortgage specialists here at Simply Adverse, you can improve your chances of being accepted for a mortgage with bad credit and CCJ problems.

If your existing mortgage deal is coming to an end, or you want to free up some extra cash, then you might be thinking about remortgaging your home. If you’re applying for a remortgage with bad credit though, it’s not always plain sailing. Having an existing mortgage on your home doesn’t guarantee that you’re going to find it easy to get a remortgage.

You may now be asking yourself the question ‘can I remortgage my house with bad credit?’, particularly if your financial circumstances have changed. While the path to arranging a remortgage may not be as simple, there are lenders out there who will allow you to remortgage a house with bad credit.

So, if you’re wondering how to get a remortgage with bad credit, then our specialist Simply Adverse mortgage brokers are on hand to help.

Immediately after and in the years following a bankruptcy, it can be difficult to understand just where you stand when it comes to credit, loans and mortgages. Declaring bankruptcy and recovering from the experience is not an easy process, but it doesn’t mean that obtaining a mortgage is never going to be a possibility.

By using a specialist bankruptcy mortgage broker, you expand your options considerably over what’s available on the high street and increase your chances of getting a mortgage after bankruptcy. If you’re one of the many people who have found themselves trying to find the answer to ‘after bankruptcy, can I get a mortgage?’, then Simply Adverse are the right mortgage brokers for you.

Getting a second mortgage is a great alternative to remortgaging or taking out an unsecured loan, however, just like securing any kind of credit with a bad credit score, it can be very hard to find lenders that’ll offer you a second mortgage.

Thankfully, difficult doesn’t always mean impossible. If you’re a homeowner with equity in your property, then you may still be eligible for a second mortgage, even with bad credit. To increase your chances of finding bad credit 2nd mortgage lenders, our Simply Adverse mortgage experts are the professionals to call.

Getting bad credit buy to let (BTL) mortgages on the high street can be next to impossible, but that doesn’t mean that there is no way to secure a BTL bad credit mortgage. If you’re looking to buy a property to let for the first time, remortgage a buy to let with bad credit, or make a new investment, then a bad credit history doesn’t always have to stand in the way.

Found the perfect buy to let property? Need a BTL remortgage? Simply Adverse has access to the best niche specialist lenders in the UK, as well as high street lenders, so don’t hesitate to call us today for impartial advice and a free assessment of your situation!

Entering a debt management plan can be an effective way to take control of your debts and improve the health of your finances. If you’re currently in a DMP or have recently left one there will be some impact on your ability to get a mortgage or remortgage. This doesn’t however mean it will be impossible.

If you’ve been wondering “does a debt management plan affect your mortgage” then talking to a specialist DMP mortgage broker, such as the team at Simply Adverse can help to answer that question. Working with us means that you’ll have access to many more mortgage deals. These include deals from DMP mortgage lenders, and deals that you won’t find anywhere else.

If you’ve entered into an Individual Voluntary Arrangement (IVA) with your creditors, you’re hopefully feeling a little more positive about your financial future. You may even be thinking about buying a new home and wonder ‘how will an IVA affect getting a mortgage?’ While it could be trickier to get a mortgage will you are in an IVA it may be possible.

At Simply Adverse we have a team of professional mortgage brokers who specialise in finding mortgages for applicants with all kinds of credit issues. We have access to a range of mortgage lenders, including mortgage lenders who accept IVAs. Speaking to us can help you navigate your way through your application and maximise your success as you try to obtain a mortgage.

If you’re looking for a mortgage or a remortgage you’ll know how difficult it can be. If you’re looking for a mortgage with a poor credit score caused by defaults on loans or missed credit card payments, you’ll know it can seem impossible.

That’s why at Simply Adverse we’ll help you apply for a mortgage, even if your credit score is less than perfect. Whether you’ve defaulted on a mortgage, fallen behind with loan repayment or missed a payment on a mobile phone contract, our specialist adverse credit brokers can improve your chances of being accepted for a bad credit mortgage.

Don’t let missed payments or defaults stand in the way of finding a great mortgage deal. Speak to Simply today.