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Adverse Credit Mortgages

What is Adverse Credit?

‘Adverse credit’ is an alternative term for ‘bad credit’, a widely-used phrase referring to events, actions or items on someone’s financial history or credit record. Generally indicating something that has had a negative impact on an individual’s credit score, it is used to define County Court Judgements (CCJs), bankruptcies, repossessions, default notices, late payments and other adverse credit events that may appear.


If you have any adverse credit events on your credit reports, then you are likely to find it more difficult to obtain loans or mortgages, and at a higher interest rate than if you had applied with a healthy credit history.


How We Can Help?


Your options when it comes to which lenders to deal with, and the rates they will charge you, will be determined by the level and type of adverse credit on your record, and the amount of money you want to borrow in proportion to the value of the property in question – also known as the loan-to-value (LTV) ratio.


As these products can be quite complex, and require a greater level of assessment and negotiation, we have access to the specialist adverse credit mortgage market. We can quickly identify which lender and package will best suit your situation, or, if a suitable deal isn’t possible at that point, we’ll do our utmost to advise you with a plan of action to get you into a far stronger position with your credit score in the future.

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BricksBridges has an experienced, FCA registered Mortgage Adviser.

Please note, The Financial Conduct Authority does not regulate Commercial Buy To Lets and some forms of Commercial Finance.


*Your home or property may be repossessed if you do not keep up repayments on your mortgage or on any other loans secured on it !

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