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!
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.
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.