Adverse Credit Mortgages there’s still a way forward
We Understand Your Situation
Life throws curveballs. A job loss, illness, or unexpected expenses can all leave a mark on your credit file. Although that history matters, it doesn’t define your future. At Mortgageforce, we’re not here to judge. We’re here to help.
Because of this, we take a different approach. We don’t just fill in forms and cross our fingers. Instead, we speak directly with underwriters, explain your story, and present your application in the best possible light. That’s one reason we have strong relationships with lenders — and it’s why those lenders trust us. As a result, we’re often able to secure adverse credit mortgages when others can’t.
Why It’s Worth Talking to Us About Adverse Credit Mortgages
You might assume no one will accept your application. However, until we take a look, you won’t know for sure. We understand lender criteria and how they assess risk. That means we can match you with a realistic option and avoid dead ends.
In addition, we can offer practical advice. Sometimes, it’s just a matter of tweaking your credit profile or fixing an error. Other times, we can suggest steps to boost your score and increase your chances of approval.
Check Your Credit File First
Not checked your credit file recently? Then now is a great time. Sites like checkmyfile.com show your reports from Experian, Equifax, and TransUnion all in one place. It’s quick and easy. If you’re unsure, give us a call and we’ll talk you through it step by step.
In conclusion
So, if you’re worried your credit history is holding you back, let’s talk. With access to a wide range of adverse credit mortgages, Mortgageforce is here to help you move forward with confidence.
Some kind words from our clients
Rachel has been incredible in securing us a mortgage and I cannot recommend her highly enough. The whole process was clear from beginning to end and Rachel kept us up to date every step of the way. We had a tricky property to mortgage and Rachel was able to secure us a good product from a high street lender. I have recommended her to friends and family and would use her again for any future mortgages. Thanks Rachel!
A 5 star experience of first time buying thanks to Rachel and Joanne. I was worried buying a home would come with so much stress but I can honestly say it’s been more or less stress free! Quick and professional communication and even got a better mortgage deal than I thought! Can’t recommend or thank them enough!
Rachel and Jo at Mortgage Force were outstanding start to finish. They went above and beyond with everything they did, helping us to purchase our first home. We've been told many times how stressful buying a house is but with Mortgage Force it felt like a breeze! Rachel was informative and broke everything down so that we fully understood all of the house buying lingo and both Jo and Rachel were friendly, helpful, super quick to respond to any queries and just a pleasure to deal with.
Adverse Credit Mortages
Case Studies
Recent Adverse Credit on Credit Report
The Client needed to move home and due to recent adverse activity on his credit score, the existing lender would not agree a porting application so thought there was no option but to stay in the same unsuitable property.
Thankfully, as we have a huge number of lenders offering a vast array of types of mortgages, we were able to find a suitable lender that would allow the mortgage amount needed to move home and accepted the recent credit history and the client was able to move
Consolidate Debts with Poor Credit History
Client had no current mortgage but wanted to consolidate some outstanding debts to make monthly expenditure more managaebale but has recent adverse credit showing on their credit report so most mainstream lenders would not agree a loan.
We managed to speak with a few specialist lenders that would accept the current credit history, as well as agree to the loan amount and the use of the funds being raised by the mortgage.
Heavy adverse poor credit for a first time buyer
Client has various adverse defaults on their credit report on a number of credit cards and loans, explainable from a recent lif event which has made it difficlut to get back on track while renting, and they wanted to buy their first home.
Talking through the case in details with one of our specialist lenders meant they were able to underwrite and approve this first time buyer mortgage manually rather than let the computer make the decisions. Our knowledge and experience meant we knew what information the underwritier would want to know and see, so we gathered all this information and documentation proof, and talked throuhg the details showing the information to back it up. The clients were able to buy their first home and are happily settled in.