Poor Credit, CCJs & Default Mortgages

Worried you may struggle to get a mortgage because of your credit history?

We work with specialised mortgage providers who offer solutions for people with poor credit histories. Speak to an ams: mortgage advisor today.

CCJ's

We have lenders who will accept your application if you have: UP TO: 1 CCJ in the last 24 months to a maximum value of £1000. However we also have lenders who will ignore CCJ's over 2 years old.

Defaults

We have lenders who will accept your application if you have: UP TO: 2 defaults in the last 24 months to a maximum value of £1500 in 12 months If your default is over 2 years old we have lenders who will consider you straight away!

Do Not Despair!

Just because one lender declines your mortgage application it doesn't mean that another wont look to accept.

What Next?

We recommend you call us and speak to one of our qualified advisor's who will go through your circumstances then provide you with the options available to you.

Want to get started?

Choosing the right mortgage for you can be really tricky. At ams: our expert advisers guide you through the process. Simply, efficiently and professionally.

Call now to speak with a mortgage advisor

0121 4000 052

As a guide, you could potentially borrow around:

The figure above is calculated based around current lender criteria and may not be representative of the actual figure you may be able to borrow.

Call 0121 4000 052 or Contact Us

See what our clients say

Words cannot express the amazing work AMS have done for us, our mortgage company pulled out and we were on the verge of loosing our home within 5 weeks of completion. But I read the reviews of AMS and within 2 days decided they were worth a try and it has been the best decision we have made. not only have we secured a mortgage within 3 weeks!!! but the communication was outstanding talking through steps every single day. a big thank you especially to Andrew and Arlette for making this all come together for us. we get to have our dream home and its all thanks to these two!
- Lewys
Current lender could not lend me enough, Santander and HSBC declined me. I have a car loan and credit cards and was struggling to get a mortgage. I spoke to AMS after looking online and they had lots of good reviews. Dave was super fast and managed to find a lender that approved me. It was an almost instant result compared to over an hour on the phone with HSBC asking a billion questions only to get declined even with a mortgage certificate from them it got declined in the application and credit search. Jaya my case manager was friendly and reachable and quick to get back to me. Both are a pleasure to deal with. Without them I don’t think I would’ve been able to get my mortgage/house. Thank you so much for your efforts.
- Sally
Everyone at AMS is friendly and approachable. Despite being foster carers, David and his team have managed to get us an offer for our re-mortgage which is half the rate we were paying, cuts the term remaining by almost a year and is saving us thousands - meaning we can overpay each month and reduce the term even more. Please don't worry about the fee; it is worth every penny for the time and effort they put in on your behalf - you really are getting what you pay for. Customer service is second to none and we highly recommend them. Fantastic company.
- Steve & Trish

Bad Credit FAQ

Is it possible to obtain a mortgage with bad credit?

Yes. We have been specialists in this market for some time.

Is all adverse credit accepted?

We will have a look into all cases and assess them on an individual basis.

How do I find out whether I have adverse credit?

Very easily – if you log on to www.creditexpert.co.uk you can get a free 30 day trial with Experian, one of the major credit search houses within the UK. With the information on your credit file we can usually get a decision within an hour.

Why would I have bad credit rating?

There are many things that can potentially affect your credit rating. Some examples are:

Missed credit card, loan or mortgage payments
Being in a debt repayment arrangement such as an IVA, or if you have been declared bankrupt
County Court Judgements/Defaults registered against you
If you have taken out a pay day loan

If I have adverse credit registered against me will high street lenders still accept my application?

Every case is assessed individually. ams: have direct communication with all the major UK underwriters. This means that we can discuss each case on its own merit before submitting the application for approval.

What do I do if normal high street lenders won’t accept me?

We use lenders who are specialists in the adverse credit market.

How soon are you likely to get me a decision?

We aim to get you a decision in principle with an hour once we have all of your information to hand.

How much deposit is likely to be required?

Between 10-15{f3e6733233b70b8da8509d0af294c4ca7fb8b7488135760b99cf9baca8bf684d} – although this does depend on the results of your credit file. The lenders see you as a higher risk if there is a lot of adverse credit on your file and may therefore require a higher deposit.

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