Bad credit mortgage advice, without the judgement
Defaults, CCJs, missed payments or a past debt plan do not have to stop you buying or remortgaging. We know which lenders look at the full picture.
Important: Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Lenders look at how recent, how big and how settled
Every lender treats adverse credit differently. One may decline a two-year-old default of £400, while another will accept it at a normal rate. The age of the issue, its value, and whether it has been satisfied matter far more than the label on your credit file.
We start by reviewing your credit report with you, then approach only the lenders whose criteria fit, so you avoid unnecessary declines. Read our detailed bad credit mortgage guide for timeframes and preparation tips, or see how remortgaging can work with adverse credit.
Credit issues we regularly place
Defaults and missed payments
Settled or recent, small or large: we match the history to the lenders that accept it.
Mortgage with a CCJ
Satisfied and unsatisfied County Court Judgments, with the age and value assessed lender by lender.
After bankruptcy or an IVA
Options once you are discharged, plus debt management plans and arrangements to pay.
Remortgage with bad credit
Product transfers with no credit check, or specialist remortgages if your current lender will not help.
Soft-search research
We check lender appetite before any full application, protecting your credit score.
Protecting the new mortgage
Once approved, we review life and income cover so the new home stays secure.
More on bad credit
Talk through your credit history
Book a free, confidential consultation. Tell us what is on your file and we will explain the realistic options.
Or visit our contact pageWhat our customers say
"Genuinely calm, professional advice. They saved us a real amount each month and the process was effortless."
"As a contractor I'd been turned down before. They knew exactly which lenders to approach and we completed in weeks."
"Silver Oak made our first mortgage feel completely manageable. Every step was explained clearly and we never felt rushed."