Specialists in Bad Credit Mortgages

“Where other brokers may not have been able to help, in most cases we can, so why not get in touch to see how we could help You.”

Welcome to a Mortgage 4 You the mortgage specialists who are here to help clients who have had a Bad Credit history, or who are discharged Bankrupts, been in Debt Management, or have been in an IVA. Why can we help you when most lenders or Brokers cannot help. Because we make it our business to form relationships with lenders who base their decision to lend on a manual underwriting decision, and not on how many points you have scored, or our Specialist Lenders whose underwriting guide will accept various levels od Bad Credit. With over 50 years of experience in financial services, we know our business and we are here to help you, call me now, Michael Alexander on 03452 605506, or 07867 794837 you may just get a pleasant surprise.

Request a Call BackBad Credit Mortgages

With most lenders in the market today credit scoring and credit checking, any Bad or Poor credit history that remains on your credit file will have a negative impact on how most lenders will view you for mortgage purposes.

Your credit file covers the history of how you have managed your credit and mortgage arrangements over the last six years. Any late or missed payments, credit defaults, CCJ’s, Bankruptcy or an IVA, could mean that you will fail the credit score and be declined by the lender.


How We Can Help

Residential Mortgages

We can arrange a wide range of residential mortgage products including fixed rate mortgages, standard variable rate mortgages, interest only, capped rate and adjustable rate mortgages.

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Commercial Mortgages

Whether you are a landlord looking for a buy to let mortgage or a company looking for bridging loans and development finance, we can help.

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HMO Mortgages (High Multiple Occupancy)

If you are looking for a large mortgage of £500,000 plus we can help. We can also arrange London mortgages and high net worth mortgages.

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Our Panel of Lenders

Can our lenders help in this difficult market?

You will find with our lenders that even in this very difficult market, our lenders want to help you if they can. Most people will have a financial dip in their lifetime, but it is how you have dealt with that dip, and that we can assure our lender it was a one off. Consistent bad payers will never change, and it is not them that we are looking to help.

We have an excellent relationship with our lenders for sending them good clients, who may have been down but are now very much back on the way up. It’s you that we want to help, and if it can be done we will do it.

Speak to one of our friendly advisers

You have nothing to lose by picking up the phone and calling us, or email and request a call back. We are here to help you and we will always do best to find a lender that will help us, and we know that no one fights any harder for our clients’ than we do.

What we specialise in

Mortgages are what we specialize in, and with nearly Fifty years of experience in Financial Services we have the knowledge and skills together with our research via the most up to date Sourcing systems to make sure that we find the most competitive product to meet your requirements.

Independent Mortgage Advisers

We are Independant Mortgage advisers with access to the whole of the market, and to all of the Mortgage Clubs which offer Exclusive Products only via Intermediares.Our level of service is first class and we just hate to say no to any client, we like to feel that if a mortgage can be arranged we will find that product for you.

“Bad Credit Mortgages”

We are special because we know our market, and our lenders trust us because we are totally honest and transparent with them from day one. We are not time waster’s we make no upfront charges, so if we cannot help you we will tell you as soon as possible. Our business model is that we want to see everything from you up front, your credit file and any information that will have an impact on your application. If we can see very early on what the lender will see when looking at you, we are in the driving seat, and we can, if at all possible take you to the lender who will say YES.

If you would like to speak to one of our friendly advisers about a mortgage / finance then call us on

Request a Call Back
Helping Poor Credit Clients

We now have a different breed of lenders who will credit check and find any adverse credit, but the decision to lend is made by an underwriter who can take a view based on the client’s credit history, the loan to value and any circumstances that may have been beyond the client’s control. I think that I would call it commonsense lending, that wonderful word that has almost disappeared from our language

What are the issues that will effect any lenders decision to lend.

• Late or missed payments on credit arrangements
• Mortgage arrears
• Defaults on credit arrangements
• Poor conduct of your bank account
• County Court Judgments ( CCJ’S )
• Previous repossession
• Bankruptcy
• Individual voluntary arrangements.( IVA )
• Debt management.