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Adverse Credit Mortgages – Solutions for Borrowers with Poor Credit Histories

You're not alone if you’ve faced financial challenges and struggled to get a mortgage. Poor credit doesn’t mean homeownership is impossible. Money Factors specialises in helping borrowers with adverse credit find suitable mortgage solutions.

We understand that missed payments can result from job loss, urgent bills, or medical needs. These events happen, and we do not judge. Some lenders cater to those with a history of credit problems by offering tailored adverse credit mortgage options.

What Is Adverse Credit?

Adverse credit includes missed or late payments, defaults, CCJs, or other past financial problems. These can affect your credit file and reduce access to standard mortgage deals. With expert advice and access to specialist lenders, a mortgage is still possible.

Common Adverse Credit Issues We Assist With

At Money Factors, we support borrowers facing many types of credit difficulties. Our lender network gives us access to mortgage products other brokers may not reach.

We regularly help clients with:

  • Missed or late payments on credit cards or loans

  • Exceeding overdraft limits

  • County Court Judgments (satisfied or unsatisfied)

  • Defaults (paid or unpaid)

  • Mortgage or rent arrears

  • Debt Management Plans (active or cleared)

  • Payday loan usage (not within the last three months)

  • IVAs (Individual Voluntary Arrangements)

  • Discharged bankruptcies or sequestrations

  • Debt Relief Orders

  • Past property repossessions

  • Administration orders

  • High credit card or store card balances

  • Visa holders with limited UK residency

  • Properties in mainland Scotland

We assist with residential mortgages, buy-to-let, right-to-buy, help-to-buy, shared ownership, and commercial lending.

How Adverse Credit Mortgages Work

These mortgages are sometimes called sub-prime or non-conforming products. Lenders assess these differently than standard mortgage applications. The rates may be higher to reflect increased risk, but terms can still be fair and manageable.

Features may include:

  • A mortgage, despite missed payments or defaults

  • A chance to rebuild your credit through regular repayments

  • Options to remortgage to better terms after 2–3 years

  • Access to lenders not available directly to the public

Why Use Money Factors?

Adverse credit lenders usually do not deal directly with borrowers. They rely on expert brokers to assess cases and present them properly. This is where Money Factors excels.

We provide:

  • Exclusive access to mortgage deals not found online

  • Advice tailored to your financial background

  • Guidance on improving your credit file

  • Practical support during every application stage

  • A long-term view to help you improve your future options

Can I Get a Mortgage with Bad Credit?

Yes, you can. Each case is assessed on its own merits. With the right help, many applicants with poor credit still get approved. Our team works carefully and carefully to find a suitable mortgage for your circumstances.

Speak to an Adverse Credit Mortgage Specialist Today

If you’re unsure how to begin, we can help. A quick chat with one of our advisers can clarify things. We’ll help you understand your credit file, explain the available options, and guide you through the whole process.

Contact Money Factors today to speak with a specialist in adverse credit mortgages and move one step closer to owning your home.