When it comes to buying a home, having a clean credit history can make the mortgage application process smoother. But what if you have adverse credit—missed payments, defaults, County Court Judgments (CCJs), or other financial setbacks? At Emily’s Mortgage Services, we want you to know that your credit past doesn’t have to prevent you from owning your dream home.
What Is Adverse Credit?
Adverse credit refers to any negative information on your credit report, such as:
- Missed or late payments
- Defaults on loans or credit cards
- County Court Judgments (CCJs)
- Bankruptcy or IVA records
These can make traditional lenders hesitant to approve a mortgage. However, it’s important to remember that everyone’s financial story is different, and there are mortgage lenders who specialise in working with clients in these situations.
How Can We Help?
1. Specialist Knowledge and Access
We work with a panel of lenders who understand that credit reports don’t tell the whole story. These lenders look beyond your credit score to assess your current financial situation and ability to maintain repayments.
2. Tailored Mortgage Solutions
Not all mortgages are the same. We can help find adverse credit mortgages that match your circumstances, often requiring a larger deposit or specific affordability criteria, but still offering a path onto the property ladder.
3. Expert Guidance Through the Process
Applying for a mortgage with adverse credit can be complex. We support you every step of the way—from preparing your application to advising on improving your credit profile and ensuring your documents are in order.
4. Long-Term Financial Support
Our goal is to help you get a mortgage now and build a strong financial future. We provide advice on budgeting, credit management, and refinancing options down the line.
Why Choose Us?
- We have extensive experience helping clients with challenging credit histories secure mortgages
- We understand the UK mortgage market and lender criteria inside and out
- We offer personalised, compassionate service tailored to your unique situation
- We keep you informed and supported throughout the entire process
Ready to Take the Next Step?
Don’t let adverse credit stop you from pursuing homeownership. With the right advice and support, getting a mortgage is possible—even if you’ve faced financial setbacks in the past.
Contact us today for a free, no-obligation consultation. Let’s explore your options and find the best mortgage solution for you.
Your dream home is closer than you think—let’s get started.
Emily's Mortgage Services LTD 