Adverse Credit
We’re Here to Help – Even If You Have Adverse Credit
Struggling with bad credit or imperfect credit history? You're not alone—and getting approved for a mortgage is still possible. At Mortgage Centre, we specialize in helping individuals with low credit scores, credit challenges, or past financial setbacks find realistic, tailored mortgage solutions that work for their unique situation. Whether you're looking to buy a home, refinance, or consolidate debt, our experienced mortgage brokers are here to guide you every step of the way.
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Why Choose Mortgage Centre?
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We Listen Without Judgement
Your financial situation is personal, and we treat it that way. At Mortgage Centre, we offer a friendly, understanding approach—taking the time to get to know you, not just your credit report. We provide tailored mortgage advice that fits your circumstances, no matter your credit history.
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Experts in Adverse Credit Mortgages
If you've had CCJs, defaults, missed payments, or even a bankruptcy, we’re here to help. Our team specialises in bad credit mortgages across the UK, working with a panel of specialist lenders who understand that your past doesn’t have to define your future.
Honest Advice, Real Solutions
We won’t give false hope—but we will explore every available option to help you secure a mortgage. While approval is never guaranteed, our brokers are committed to giving you clear, honest guidance and doing everything possible to boost your chances of success.
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County Court Judgements
Defaults
Missed Mortgage Payments
Low Credit Score
No Credit History
Individual Voluntary Arrangements
Debt Management Schemes
Payday Loans
Repossessions
Discharged Bankrupts
Multiple Credit Problems
Unsecured Arrears
Big Step? We’ll Help You Through It
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Buying a home in the UK is more than just choosing the right property—it’s one of the most significant financial commitments you’ll ever make. From navigating the mortgage application process to understanding the long-term costs of homeownership, it can feel overwhelming without the right support.
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But a mortgage isn’t just about bricks and mortar. It’s about building a secure future for you and the people who rely on you—your partner, your children, your family. That’s why making the right financial choices now is so important.
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At Mortgage Centre, we’re here to guide you every step of the way. Whether you’re a first-time buyer, moving home, or dealing with bad credit, we offer clear, honest advice to help you move forward with confidence.
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That’s Where We Come In
At Mortgage Centre, we’re here to help you plan with confidence. Securing a mortgage is just one part of your financial journey—protecting your home, income, and family is just as important.
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We understand how vital it is to prepare for the unexpected. That’s why our team offers clear, tailored advice on mortgage protection, life insurance, income protection, and more. We’ll work with you to put the right financial safeguards in place, so you can move forward with peace of mind, knowing your loved ones are covered—whatever life may bring.
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Take the Next Step Toward a Secure Future
Let Mortgage Centre guide you through every step of the homebuying process—while helping you build a strong, secure financial foundation. With expert advice, personalised mortgage solutions, and a focus on long-term protection, we’re here to ensure your path to owning a home is not just successful, but stable and secure for the people who matter most.
Ready to take the next step? Contact us today for expert guidance and tailored mortgage support.
Your Mortgage Needs, Covered
Whether you're a First-Time Buyer, moving home, remortgaging, or an investor seeking a Buy-to-Let mortgage, Mortgage Centre is here to guide you with expert, unbiased advice.
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As a whole-of-market mortgage broker, we search across a wide range of UK lenders to find the right mortgage deal for your unique circumstances. Because we’re not tied to any one provider, we can offer access to exclusive broker-only rates and protection products that suit your long-term goals.
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Our advice is always personalised, honest, and in your best interest—so you can make informed decisions with confidence.
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Let’s Get Started
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Just a Call or Click Away
Have questions or ready to explore your mortgage options? Get in touch for a free, no-obligation chat with one of our friendly advisers. Whether you're just starting out or need support with a complex case, we're here to help.
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Call us: 07888 577 477
Email us: admin@mortgage-centre.com
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We look forward to helping you move forward with confidence.
Mortgage application process
4 simple steps for applying for a mortgage.
1
Complete our
pre-qualify form
Let us know a few details about the mortgage you require
2
A mortgage specialist will call
One of our brokers will call and get a few more details of your requirements
3
Research and recommendation
​We will search the market for the best rates for your circumstances
4
A Decision in Principle is made
We will secure a DIP with a lender, if you approve we move forward with a full application.