Get a Property Purchase Mortgage Approved Quickly

Bad Credit Mortgage Specialists

We can help arrange your Purchase Mortgage taking into account all your credit problems, from a missed credit card payment through to more serious issues such as bankruptcy.

Click Mortgages Consider All Credit Situations

Buying a property can be a daunting task with many complexities. Click Mortgages can help arrange your mortgage taking into account all your credit problems, from a missed credit card payment through to more serious issues such as bankruptcy.

We can Help with All Credit Situations

  • Low Credit Score
  • Missed Credit Card Payments
  • Defaults
  • CCJ’s
  • Debt Management
  • IVA
  • Bankruptcy
  • All Situations

Property Purchase, All types of purchase including:

  • Next Time Mover up to 95% LTV
  • Right to Buy up to 100% of the price
  • Shared Ownership up to 95% of share
  • Help to Buy with only 5% deposit
  • Gifted Deposit

How do I Get a Property Purchase Mortgage?

  • Contact Us to discuss your situation
  • We will assess your Credit History
  • We quickly review lender options
  • We will give you a detailed quote of the best solution
  • Our expert team will guide you every step of the way

Purchase Mortgages, some highlights:

  • Fixed Rates – get a fixed rate and have stability of payments
  • LTV – Borrow Up to 95% of the Property Price
  • Incomes – All Types of incomes can be used including Tax Credits
  • Deposit – this can be Gifted from a family member
  • Buying from family? – Use a discount as your deposit
  • Up to 4 Applicants with all income taken into account

5 star Feefo Reviews

We have lots of happy clients 

Expert Advisers

Expert Advisers who understand credit problems, will guide you personally throughout the transaction.

Taking the next step

We are here to help you get the mortgage you need. 

Find Out How We Can Help You

Other Mortgages We can Help you With.

First Time Buyer

Borrow up to 95% with past credit issues

Right To Buy

Borrow up to 100% of the discounted price

Help to Buy

Only 5% deposit required

Remortgage

Repay Debts, Raise money for any purpose

Buy To Let

Purchase or Remortgage for any purpose

Property Purchase

Next Time Buyer up to 95% with past credit issues

Shared Ownership

Only 5% Deposit Required

Contractor Mortgages

Lending amount can be based on your daily pay rate

Credit Problems

We are experts at arranging mortgages with credit problems

Guarantor Mortgages

You can borrow higher amounts with a guarantor

Fixed Rate Mortgages

Get a Low Fixed Rate even with credit problems

Separation or Divorce Mortgages

Remortgage and Buy out your ex.

Got Questions?

FAQ

Here are some of the most common questions, along with answers from our support experts.

We specialise in arranging Mortgages for clients with all sorts of credit issues from a missed credit card payment through to bankruptcy, this is our area of Expertise.

Most traditional High Street lenders do not offer Adverse credit mortgages, as the lending they do is primarily based around a High Credit Score. People with credit issues tend to have lower credit scores, however there are a range of Specialist Lenders who are fully regulated by the FCA that are willing to accept clients with credit problems. These lenders only accept clients that are introduced to them from an “Approved Broker” such as ourselves.

Specialist Lenders tend to look at when the credit problems occurred rather than using a pure credit score so this is a much more personal individual assessment. Specialist lenders tend to use a ‘soft’ credit search at this stage so this has no impact on your credit rating but allows the lender to understand your overall financial situation. We will assess your circumstances and choose the best lender and plan to meet your needs.

The normal minimum deposit is 5% of the property price, however you may need a slightly higher deposit if there are significant credit problems. You do not need to have the deposit saved up as frequently buyers receive a gift for the deposit from a family member which is perfectly acceptable to mortgage lenders.

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