✓ Whole of Market Access ✓ Jargon-free Financial Advice ✓ Access to Specialist Lenders
✓ 5-star Rated Mortgage Broker ✓ Evening & Weekend Appointments
As an expert bad credit mortgage broker and financial advisor, we can advise on how to get your score back on track. We can also turn to our pool of specialist mortgage lenders that offer more flexible lending criteria, opening the market to more people.
As Whole of Market brokers, our advice and mortgage product suggestions are made with your best interests at heart. We bring clarity to the mortgage market and take you straight to the right lenders and deals. By getting to know your goals and circumstances, we can review the most suitable options and find the best solution.
Can I Get A Mortgage With Bad Credit?
It will be more difficult to get a regular mortgage if you have a poor credit score. That’s because lenders may deem you as more of a risk. That being said, it’s not impossible. Every lender is different and will have varying ideas of what would be a red flag.
Being turned down by a lender can be visible on your credit score. That’s why it’s highly recommended you get advice from a reputable bad credit mortgage broker before applying. And remember, your credit score isn’t fixed. With the right advice, you can improve your prospects.
Common factors that can negatively affect your credit score include:
✓ No credit history ✓ Poor credit score ✓ Late payments ✓ Mortgage arrears ✓ Defaults ✓ CCJs ✓ IVAs ✓ Bankruptcy ✓ Repossessions ✓ Payday Loans ✓ Debt management plans
Our specialist bad credit mortgage broker team can discuss and work with all of the above.
Whole of Market Access
Take a look below at some of the lenders we deal with. Remember, we are Whole of Market mortgage advisors. No restrictions, just full access to all the exclusive deals you won’t be able to find yourself.
How Do I Get A Mortgage With Bad Credit?
Talk to our specialists
During your free initial consultation, our bad credit mortgage broker team will get to know your circumstances and bring clarity to your options. Whether you prefer face-to-face or remote appointments, we work with your preferences.
Know your options
With a bad credit score, your options will be more limited. However, one of our specialist advisors can review your current and historic financial history to determine your options.
Boost your score
We’ll perform a thorough and compassionate review of your financial circumstances. This helps us pinpoint areas for improvement and provide actionable advice to give your score a boost as well as identifying where you could save or bring in more money.
Browse the market
Your dedicated adverse credit mortgage broker will browse the market to find the right deal for you. We’ll discuss the available loans and explain how they might be different from a regular mortgage.
Time to apply
We’ll take care of the paperwork and negotiate with your conveyancer and estate agent. As soon as your mortgage offer has been accepted, we’ll give you a call.
Schedule a review
We can also offer a mortgage review service to see if there’s a more suitable option. You can always switch to a more affordable deal if your credit score has improved.
What Our Customers Think
Meet The Team
Established in 2014 by Christine Long and David Mortell, Agentis offers expert industry knowledge alongside the personal touch of a family-run business. Now with a growing team of mortgage brokers in Peterborough, they have the very best mortgage and protection experts on board to help individuals, couples and families turn their dream of owning a home into a reality.
Agentis is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Frequently Asked Questions
Can I get a mortgage with a poor credit score?
Yes, you can get a mortgage with a poor credit score. There are specialist mortgage lenders who work with more flexible lending criteria. As a specialist bad credit mortgage broker and financial advisor, we can help you get your score back on track and find a specialist lender.
Can I get a mortgage with a credit score of 300?
Yes. Contrary to what many homebuyers think, there is no minimum credit score to be accepted onto a mortgage. While this is part of the criteria, lenders look at other factors. Your income, assets, savings and credit rating of any mortgage partner will also be taken into account. If your score is low and you have been struggling to get approval for a mortgage, speak to the team at Agentis.
Do bad credit mortgages come with higher interest rates?
Yes, often a specialist lender will charge a higher interest rate when providing a loan to homebuyers with bad credit. There may also be a higher deposit to pay. Our bad credit mortgage broker team will help you budget, and provide the best advice to help turn your credit score around.
Can a mortgage broker help?
Yes – a specialist mortgage broker will have access to lenders with more flexible lending criteria. They can also advise on how to improve your credit score. Their knowledge, expertise and contacts will help make getting a mortgage with bad credit more manageable.
How do I find out if I have adverse credit?
You can access your credit score and report for free by logging onto the Experian website.
What documentation will I need to provide?
- Details of you and a mortgage partner’s income
- How much deposit and savings you have
- Details of all your expenditure
- Credit report
Expert Mortgage Guides
Understanding your mortgage options can be difficult, especially when you have adverse credit. By reading our expert guides, we hope that you can feel confident about your options and reach out to the specialist bad credit mortgage brokers to get you back on track.
Property News
Discover the latest property news in and around Peterborough. We keep an eye on the latest property developments, property prices and news that impacts the local community. If you’re looking to move to the area or have been living here for years, read up on the latest property news written by our mortgage experts.
Plan your Mortgage the right way
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Your Mortgage Magazine
Our quarterly magazine is packed with jargon-free content covering the latest industry updates that affect you and your property-buying plans. Written by mortgage experts, we explain how mortgages work. Wherever you are on the property ladder, you can stay in the know and make the best decisions for you right now.
