Rob Jones CeMAP & CeRER
Independent Mortgage Broker
Stockton Brook, S-o-T, Staffordshire
01782 606 572  |  07711 766327

Rob Jones CeMAP & CeRER

Stockton Brook, S-o-T, Staffordshire
01782 606 572 | 07711 766327

Bad Credit Mortgages

The majority of high street lenders use computers to pass or fail your application based on your credit score. However, at Independent UK Mortgages, we work with numerous specialist lenders who will consider any bad credit mortgage on a case by case basis. We can secure mortgages for people with poor credit scores, people on debt management plans and even for people with CCJ’s. If anybody can find you a poor credit mortgage - we can.
If you know or suspect that you have bad credit history we will help you through the whole process and fully analyse your credit file. Once we understand your situation we will know which lenders will consider your case.

Clearly people with excellent credit scores and big deposits will attract the most attractive interest rates. People with poor scores can still secure mortgages but will need to pay slightly higher interest rates.

Our clients with bad credit usually ask us to obtain a Decision In Principle for them before they make an offer on any property. It is important to know that you can get a mortgage before you start spending money on valuations and searches conducted by a solicitor.

Depending on your score, we can even secure mortgages with small deposits and very attractive interest rates. However, it is important that you understand that this can get quite complex and every case needs to be assessed on its own merits.
If you are worried about your credit score we will work with you and:-
  • Arrange a free appointment by phone or Face to Face within 24 hours
  • Find you the best possible mortgage to match your personal needs
  • Calculate how much you can borrow with all lenders (they are all different)
  • Let you know what your monthly payments will be
  • Obtain a Decision In Principle within 24 hours
  • Look for Cash Back offers & Free Valuations
  • Fully analyse your credit file should the need arise
  • Manage the whole process until you get the keys to your new home

We work with lenders wgo specialise in lending to people with bad credit. We regulary obtain mortgages for clients who have poor scores, have defaults, on debt management plans and for those who have CCJ's.

Contact us today on 01782 606572


Contact details

1044 Leek New Rd, Stockton Brook, Stoke-on-Trent, ST9 9NT, United Kingdom
01782 606572
07711 766327
Send us an email

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