Bad Credit Mortgage Advice in Lancaster, Morecambe & the Northwest

Struggling to Get a Mortgage Due to Bad Credit? We Can Help!

If you’ve been declined for a mortgage because of poor credit history, missed payments, or a failed credit score, don’t worry you’re not alone. Many high-street lenders automatically reject applicants with adverse credit, but at PBS Mortgage & Financial Advisers, we work with specialist lenders who don’t rely on credit scoring.
We provide expert mortgage advice for people with bad credit. Whether you have missed payments, defaults, County Court Judgments (CCJs), an Individual Voluntary Arrangement (IVA), or even a past bankruptcy, we can help find the best mortgage options available to you.

Can I Get a Mortgage with Bad Credit?

Yes! While traditional lenders may turn you down, we have access to specialist mortgage lenders who take a more flexible approach. They look beyond just your credit score, considering your current financial situation and ability to afford repayments.

We can help clients who have experienced;

Missed or late payments on loans, credit cards, or mortgages
Defaults registered against their name
CCJs (County Court Judgments)
Debt Management Plans (DMPs)
IVAs (Individual Voluntary Arrangements)
Bankruptcy (discharged)
Payday loan history
High debt-to-income ratio

Even if you’ve been declined elsewhere, don’t lose hope we can help!

How We Can Help You Get a Bad Credit Mortgage

At PBS Mortgage & Financial Advisers, we understand that life happens, job loss, illness, or unexpected expenses can lead to missed payments. That’s why we work with lenders who assess your individual circumstances instead of automatically rejecting your application based on your credit score.

Here's how we can help:

Finding the Right Lender
We have access to specialist lenders who accept applicants with adverse credit. Many of these lenders don’t rely on credit scoring, focusing instead on your current affordability and financial stability.

Improving Your Mortgage Options If you’re not eligible for a mortgage right now, we provide credit repair advice to improve your chances. This could involve: Reducing existing debt Improving your credit file Managing payments effectively Correcting any errors on your credit report

✔ Advising on Deposits & Affordability
Some bad credit lenders may require a higher deposit (e.g., 10%-25%), but we’ll explore all possible options to find a solution that works for you.

✔ Free Initial Consultation Not sure where to start?
We offer a FREE initial consultation to assess your situation and guide you on the best next steps.

Flexible Appointments and Fast Decisions

Your time is valuable, and we understand that. That’s why we offer flexible appointment options to suit your needs:- Sole Traders and Partnerships:

         ✔ Telephone appointments for convenience.

         ✔ Online Consultations for Accessibility

         ✔ Face-to-face meetings for personalised service.

Whether you prefer telephone, online, or face-to-face consultations, our team is here to help. Our advisers are specialists in self-employed and company director mortgage advice, combining efficiency and expertise to deliver fast decisions. In fact, we can often secure a mortgage agreement in principle in less than 24 hours, helping you make offers with estate agents and move forward with your property purchase quickly and confidently.

Why Choose PBS Mortgage & Financial Advisors?

Specialist in Bad Credit Mortgages

With our experience in the market, we know which lenders are most flexible.

Whole of Market Access

Unlike banks that only offer their own products, we can find the best deal from across the mortgage market

Tailored Advice & Support

We take the time to understand your full financial picture and structure your application for the best chance of success.

Stress-Free Process

We handle all the paperwork, making the process smoother and easier for you

Flexible Appointment Options

We offer consultations in person, over the phone, or via video call to suit your schedule

Free Initial Consultation

We provide a no-obligation first meeting at no cost, so you can explore your ortage options with confidence

Frequently asked questions

Everything you need to know about the product and billing.
Can I get a mortgage if I've been bankrupt?
Yes—some lenders consider applicants who have been discharged from bankruptcy for at least 12 months. The longer it has been, the better your options. 
What if I have a high debt-to-income ratio?
We work with lenders who assess your full financial situation, not just your debts. If your income is stable, we may still find mortgage options for you.
How much deposit do I need for a bad credit mortgage?
It depends on the severity of your credit history. Some lenders offer 90% mortgages (10% deposit), while others may require 15%-25% deposits.
Do bad credit mortgages have higher interest rates?
Yes, in most cases. However, once your credit improves, we can help you remortgage to a better deal in the future.

Don’t just take our word for it...

Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.

Jon Ford
Lancaster

Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.

Ben Knott
Lancaster

We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!

Grace Rawsthorne
Lancaster

An excellent service, very efficient & a very good remortgage deal. Streamlined service & we  were kept up to date regularly about the progress. Would definitely use again & recommend.

Gary Macdonald
Lancaster

Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.

Mireille Formosa
Lancaster

Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!

Michael Orford
Lancaster

PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.

Helen Hanks
Penmaenmawr

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Josh Heron
Lancaster

Thank you for making our mortgage application so easy and stress free. Ross was fantastic! He kept us updated every step of the way. Super responsive to my many emails to him. Thanks again Ross!

Terri Whiteside
Morecambe

They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.

Ashley Foster
Berkshire

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