BAD CREDIT MORTGAGE SPECIALIST

Refused a mortgage?
Don't worry… we've got you :)

Finding bad credit mortgages is our speciality. We can help you when the bank says no!

Unsure? Read a little more or hit the ‘Get Started’ button.

5.0 ★★★★★ Excellent 100+ Reviews Rated by customers on Google
Contact us to start your
mortgage dream.
Or Call 01787 209880
★★★★★

Your home may be repossessed if you do not keep up repayments on your mortgage.

Finding you a deal with trusted lenders

Bad credit doesn't mean you can't access the UK biggest lenders!

We have access to over 100 of the most trusted lenders and it's super easy to get started.

Here's what our clients say

★★★★★ Rated 5.0 on Google — read all our reviews
T
Tia C
Google review
★★★★★

“Our experience with Lois and Emily has been truly exceptional. As first time buyers, we are very new to this process but everything has been explained to us and we’ve felt the service and experience was incredible. We would recommend to anyone and if we needed mortgage advice, we would be back for more help. Thank you so much team for making this process so seamless for us.”

A
Andrew Harris
Google review
★★★★★

“Harry has been fantastic from start to finish – highly recommend for Resi, BTL and Limited Company mortgages.”

R
Rachel Palmer
Google review
★★★★★

“Absolutely brilliant service from Harry – patient, understanding and not judgmental of circumstances. I would recommend Cutting Edge for a professional service and a great product – thank you Harry for making our house dreams come true!!”

J
Joshua Dinwoodie
Google review
★★★★★

“Was recommended Harry and found them very helpful and very knowledgeable! Got me the best product for my new mortgage and were very quick. Great communication throughout the process and explained everything well and clearly through each step.”

Specialist bad credit mortgage advisers

A poor credit file doesn't mean the door is closed. High street banks use rigid automated scoring, but specialist lenders assess your story — how old the adverse credit is, why it happened and what's changed since. We place cases every week for clients with defaults, CCJs, arrears, debt management plans, IVAs and discharged bankruptcies.

Credit issues we deal with every day

Defaults & CCJs

Many lenders ignore satisfied defaults and CCJs after a certain point. We know exactly which ones and when.

Talk to an adviser

Missed payments

Late payments on credit cards, loans or a previous mortgage don't have to stop you buying or remortgaging.

Talk to an adviser

IVAs & bankruptcy

Discharged bankruptcies and completed IVAs are placed with lenders every week. We handle the whole case for you.

Talk to an adviser

Declined elsewhere

Turned down by your bank or a comparison site? A decline isn't the end — it usually means the wrong lender.

Talk to an adviser

Enquire about a bad credit mortgage

Send us your details and a quick note about your credit situation. A specialist adviser will come back to you with the lenders most likely to say yes.

  • Soft process — your credit score is untouched
  • A real adviser, not a call centre
  • Your data is never sold to third parties
Or Call 01787 209880
★★★★★

Your home may be repossessed if you do not keep up repayments on your mortgage.