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Bad Credit?

Need a Mortgage?

We can help!

  • Bad credit experts
  • Easy online application
  • All bad credit considered
  • 5* customer service
  • We don’t use call centres
  • No unnecessary credit checks
  • FCA Regulated

Bad Credit?

Need a Mortgage?

We can help!

  • Bad credit experts
  • Easy online application
  • All bad credit considered
  • 5* customer service
  • We don’t use call centres
  • No unnecessary credit checks
  • FCA Regulated

Let tomorrow begin today

Here at Plus Financial Solutions, we’re dedicated to helping customers get a mortgage even when they have had credit issues in the past.

Our Approach

We take the time to get to know you and understand your circumstances.  We believe everyone deserves the best advice and help when choosing what mortgage is right for them.

Free Consultation

Our consultation is free and unique to you, delivered by fully-qualified  FCA regulated advisors to ensure you only receive the best advice.

Our Mission

Our mission is to help you find the best mortgage regardless of your circumstances or previous credit history.  We can help secure your new bad credit remortgage or purchase mortgage.

In today’s climate, it can be hard to find a lender to help when you have a less than perfect credit score, we are experts in helping clients with adverse credit and can help you find the right lender for your needs.

Plus Financial solutions made our dream come true for us in having our new home. 

B Jalalon

” Highly Recommend from the time of our very first conversation right through to completion my advisor was there for me and helped me through many obstacles. awesome service 🙂 

N Din

” After struggling with another broker getting past the first stage, Plus Financial got me a very quick decision in principle the same day, within a few hours. 

Anonymous

” After struggling with another broker getting past the first stage, Plus Financial got me a very quick decision in principal the same day, within a few hours.

B Bennett

Credit Problems We Can Help With

In today’s climate, it can be hard to find a lender to help when you have a less than perfect credit score, we are experts in helping customers with adverse credit and can help you find the right lender for your needs.

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Missed Mortgage Payments

Mortgage arrears? We can help, as long as you haven’t missed any payments in the last 6 months, we have banks and building societies who will consider your application.

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Defaults

We can accept defaults, depending on your amount of deposit we have options for unlimited defaults of any amounts.

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Debt Management Plans

If you have made the last 12 months payments to the plan we have potential options. The DMP can even remain after your new mortgage starts.

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Bunkrupty/IVA

Previously being Bankrupt or in an IVA can restrict your mortgage options, if you have been discharged for over 12 months, we have lenders who will consider your mortgage application.

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CCJs

County court judgments? No problem, we have lenders who will accept applications where you have had CCJs in the past, some lenders will even ignore these if they are over 2 years old even if they are unsatisfied.

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Unsecured Arrears

We have lenders with a flexible approach to lending, some of our lenders will ignore missed or late payments on credit cards and personal loans. Communication and utility payments may also be overlooked.

First Time Buyer Mortgages

Looking to buy your first home? Have a CCJ, Default or just Bad Credit?

We have many lenders who will consider poor credit!

Shared Ownership Mortgages

Do you need a Shared Ownership Mortgage? Have Bad Credit?

No deposit? No problem, we have 100% mortgages available on shared ownership properties!

Poor Credit History?

Sometimes just having a low or poor credit score or history can be enough to make it difficult to remortgage or take out a new bad credit mortgage with a typical high street lender. This can be caused by a number of issues including:

  • Little or no credit history
  • Lots of recent credit searches
  • Missed payment on unsecured or secured credit
  • High levels of existing revolving credit
  • Not on the electoral register

We understand the challenges our clients face when they have a poor credit history. We have bad credit mortgage lenders available who will look at your credit report and make a decision based on your individual circumstances, payment history and not just your credit “score”. We will use our bad credit mortgage expertise to match you with the best lender for your individual circumstances

Need a mortgage?

We love helping our clients secure mortgages, whether you are a first-time buyer, remortgaging, moving home, a contractor, self-employed or retired we will search the whole of the market to ensure you get the very best mortgage for your circumstances. Expert bad credit mortgage advice is on hand to make sure you find the best deal to suit your needs and requirements.

Even when other brokers have not been able to help you, we can, because we are an expert broker in bad credit mortgages and will do everything we can to help you secure a bad credit mortgage.  We understand the difficulties that life can bring which can result in poor credit history, we are not here to judge you, we are here to help!

 

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Our Simple 6 Step Application Process

Apply Online

Complete our quick and easy form to see if you can get a mortgage.

Receive your quotation

Once we have assessed your credit profile, we will search over 12,000 mortgage deals to match you to the most suitable one for your needs

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Obtain your agreement in principle

We will handle all the necessary paperwork and manage your entire application.

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Upload your documents

Upload your documents to our secure service

Receive your mortgage offer

Yes! You have got a mortgage offer!

Complete

Start enjoying the benefits of your new mortgage.

Get your Free mortgage quote now

We are a company that offers fast accurate decisions, bad credit experts, no mortgage no fee guarantee.      See how we can help you today.

Do you have complex income?

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Working Tax Credits

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Child Benefit

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Contractors

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Self Employed with only 1 years Accounts

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Maintenance Payments

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Pension Income

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Child Tax Credits

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Employed Income After 1 Month

In today’s changing world we know it can be difficult to find a lender that will use all of the income you have available. With mortgage lending now based on your ability to demonstrate you can fully afford your bad credit remortgage or new bad credit mortgage, it has never been more important to find a lender that will take a detailed look at all of the income you have available. We can help by finding you a lender that will consider the following types of income.

The good news is many lenders will accept certain credit issues and we know the lenders criteria to match you to the best lender. We have many years experience in aiding our clients with finding a new bad credit mortgage that fully meets their needs even when other lenders have previously declined their applications.

Your Questions Answered

Can I get 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 if I have bad 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 a 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 will High Street Lenders still accept me?

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 would I get a decision?

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

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Our financial advisers are always happy to help you

Get your Free mortgage quote now

We are a company that offers fast accurate decisions, bad credit experts, no mortgage no fee guarantee.     

See how we can help you today.