Low Credit Scores
We look beyond the number and consider your wider financial circumstances.
5.0 from 182 Google reviews
Low Credit Score Mortgage Specialists
Low Credit Score
Mortgage Specialists.Low Credit Score Mortgage Specialists. Expert Advice,
Made Simple.Expert Advice, Made Simple.
FCA RegulatedAccess to Specialist LendersFree Initial Conversation
FCA Regulated
Free Initial Advice
UK-Wide Support
Specialist Bad-Credit Experience
A Low Credit Score Doesn’t Have to Mean No Mortgage
Mortgage lenders assess applications in different ways. Some lenders will look beyond your credit score and consider your income, deposit, recent conduct and wider circumstances.
Defaults
Recent or historic defaults may still be considered by specialist lenders.
CCJs
Options may be available for satisfied and unsatisfied County Court Judgements.
Missed Payments
Missed mortgage, loan, credit-card or utility payments do not always prevent an application.
IVAs and Debt Management Plans
Our advisers can explain which lenders may consider your circumstances.
Previous Bankruptcy
A discharged bankruptcy does not necessarily mean homeownership is permanently out of reach.
The Smarter Way to Explore Your Mortgage Options
Trying the High Street Alone
Credit history assessed using rigid criteria
Repeated applications may affect your credit profile
Limited access to specialist lenders
Little guidance for complex circumstances
Working With My Simple Mortgage
Your full circumstances are considered
Access to lenders experienced with adverse credit
Applications presented clearly and accurately
Expert support from enquiry through to completion
A Simpler Way to Explore Low Credit Score Mortgage Options
1
Tell Us About Your Situation
Complete the short form and let us know what has affected your credit history.
2
Speak to a Specialist
An adviser will discuss your circumstances without judgement or obligation.
3
Explore Suitable Lenders
We identify lenders whose criteria may be better suited to your circumstances.
4
Apply With Expert Support
If you decide to continue, we guide you through the mortgage process from start to finish.
Trusted by Customers Across the UK
5.0 from 182 Google reviews
“Just completed a remortgage with Kelly. It's the second time she has helped me navigate the minefield and I couldn't recommend her more. Always responsive and helpful, she kept the whole process stress free. Very happy with the service!”
“We used My Simple Mortgage for buying our first property and I cannot thank Anna enough, she was amazing from start to finish. No question was left unanswered. Would recommend to everyone. Thank you so much Anna, for everything you done for us!”
“Couldn't recommend Tony more. He's been a great help with arranging all the cover I need ahead of starting my mortgage. He's kept me up to date, sourced me the best protection at the best price and been very patient throughout the whole process.”
“Highly recommend this mortgage broker. They were efficient, knowledgeable, and always quick to respond. The whole process was smooth and stress-free, I felt well informed and supported at every step.”
“Fantastic service, wonderful team. I've used this company for the last 10 years and wouldn't use anyone else. Anna is extremely knowledgeable and has the client's best interests at heart. Don't hesitate to use!”
Your Credit Score Doesn’t Have to Define Your Next Move
Speak with a specialist adviser and find out what mortgage options may be available based on your complete circumstances.
FCA RegulatedUK-Wide SupportFree Initial Conversation