A lot of mainstream mortgage lenders use your credit score to decide if they’ll offer you a mortgage. And if your score is too low, you’ll get an automatic rejection.

But we work with specialist lenders – ones that you won’t find on the High Street and who are used to dealing with clients with credit problems. And when they assess mortgage applications they do so by getting a real person to assess your whole situation.

This means it doesn’t matter if you have a low credit score because the lenders we work with will ignore it anyway, meaning you’re much more likely to get the mortgage you need.

We have access to 105 different mortgage lenders offering a choice of thousands of different products. So if we can’t find you a mortgage then you can be pretty sure no-one can.

By using state-of-the-art software coupled with our own knowledge of what the different lenders look for, we can quickly find the lenders who offer the best mortgage deals for your particular situation and credit problems – whether that’s missed payments, CCJs, an IVA, or defaults.

We can then go straight to the lender who’s most likely to say “yes” and we won’t waste your time or damage your credit rating by applying to lenders who are going to turn you down.

In recent years, a lot of the mainstream mortgage lenders have become increasingly strict about what sort of credit problems they will accept. This means that even something as trivial as failing to pay a parking fine a couple of years ago can mean that your mortgage application gets turned down.

Fortunately, the lenders we work with are a lot more flexible. In fact, we even have lenders who will completely ignore any CCJs or defaults on your credit file if they are for less than £300.

So now there’s no need for a little mistake in the past to spoil your chances of getting a mortgage today.

Nobody likes uncertainty and when it comes to something as important as getting a mortgage approved you don’t want to be waiting ages for an answer.

So you’ll be pleased to know that, in most cases, we can get a decision in principle from a lender within just one hour of getting the required paperwork from you.

You can then relax and get on with making plans for what you’re going to do once your new mortgage completes – whether that’s moving into your new home, doing up your current property, or just benefiting from lower monthly payments.