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Your Independent Mortgage Advisers
Your Independent Mortgage Advisers
Access Financial Services
100% - the best advice on the market
Our specialists have years of experience, so no matter what your goal, we have the skills and expertise to make it happen.
Access Financial Services
100% - the best deals for your needs
Want to start a family? No matter your end goal, we can personalise your quote to fit your unique circumstances.
Access Financial Services
100% - your best interests at heart
We believe in your dreams like they are our own. We will be with you on every step of your journey.

Poor credit mortgage advice

What is poor credit?

Your credit report is an electronic document containing your financial history that lenders can see if you apply for credit like a mortgage, loan or credit card. If your credit record includes missed payments, defaults, too much debt or problems like bankruptcy and CCJs, this is known as bad or poor credit.

What if you don’t have a credit history?

If you have never borrowed money or used any form of credit, your credit record will not give lenders any idea of how well you can handle repaying a mortgage. Borrowing money and paying it off in full when it is due can improve this.

How to improve your credit record

If you are currently unable to get a mortgage, we advise that you wait for 3 to 6 months before you apply again. This will give you a chance to improve your credit report by taking control.  Here are a few tips;

  • Always make your repayments in time
  • Stay in your credit limit or overdraft limit
  • Avoid applying for too much credit
  • Keep your name and address details up to date
  • Make sure you’re on the electoral register

We understand this can be a tricky time, but we will work with you to find a solution.

Free initial mortgage consultation

Provide your details on the form below and we’ll come straight back to you with a free consultation.

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How we can help.

There aren’t many lenders that are happy to provide mortgages to people with poor credit, which means there is a smaller range of mortgages to choose from.  Those mortgages that are available tend to be more expensive as lenders charge significantly higher interest rates to cover the additional risk.  In addition, you may need a larger deposit.

At Access Financial Services, we have a network of lenders who we work with.  We understand their lending criteria, which combined with our expertise, means can help you improve your chances of getting the best mortgage for your personal circumstances. 

We’ll advise you as quickly as possible if you can get a mortgage with the aim to achieve the most competitive mortgage deal for you. 

Speak to an expert on 0800 999 3939

Don’t just take our word for it

Here are a few ways we have changed our customers’ lives.

Today's Mortgage Best Buys

Below is an idea of the current mortgages best deals around.

Under no circumstances should any of the information contained within this website be construed as "advice".
You should seek professional advice in respect of your own personal circumstances.

How much can I borrow?

Our specialised calculator can give you a rough estimate of the amount of money that you – or you and a partner can borrow. Make sure you explore your options thoroughly – the mortgage type you choose can change these numbers dramatically, and making the right decision will be crucial.

Your Income:   Partner Income:
Up to: £ *
* This is guide only and all potential borrowing is subject to affordability checks and your credit status.
Want to find out more?
Call 0800 999 3939 or email us

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What sets us apart?

We like to keep things simple; we’ll offer you the best advice on the market in the most straightforward manner,
to provide first-class customer service at all times.

Why choose us
Hassle-free loan comparison
We know the market inside out. No matter what you need from us, we can compare hundreds of deals to find your perfect fit, every time.
Why choose us
Straightforward expert advice
Rest assured that all services will be explained in simple, easy to understand language. The better you understand your options, the more informed a decision you can make.
Why choose us
We do the hard work
We go above and beyond to not only supply market-leading offers, but we are always making sure we are one step ahead of the curve, constantly tracking industry innovation to best service our clients. No matter what, we will get you the best deal, tailor-made to your personal needs.
Why choose us
Putting you first
We care about your needs like they’re our own. Whether you want to expand your family or making later life comfortable with your well-earned pension we will use our years of experience to make your dreams come true. Plus, we’re always on the other end of the phone for extra advice.