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We understand that life doesn’t always go to plan, and having a poor credit history shouldn’t stop you from securing a mortgage. With extensive experience in helping clients across a wide range of credit situations—including CCJs, defaults, missed payments, and debt management plans—we know how to find practical solutions. We work with a panel of specialist lenders who take a more flexible view of credit, giving you options that high street banks may not offer.
Our approach is clear, honest, and always free of judgement. We’ll take the time to understand your circumstances and explain what’s possible in plain language, so you know exactly where you stand. Whether you’re looking to buy your first home, remortgage, or move forward after financial setbacks, we’re here to guide you with straightforward advice and support at every step.
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Expert assessment:
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Our advisers are always available for a chat, get in touch to get started with your mortgage and protection needs.
To get started securing your mortgage with poor credit, you’ll need a few things throughout the application process; see below to help you prepare:
Ready to take the next step? Download one of our useful guides to explore how we can help your specific situation. Or use our repayment or affordability calculators to help budget.
Yes! We work with specialist lenders who understand that past credit issues don’t define your future. Different lenders have different criteria, and we’ll help find the right one for your situation.
We can help with various situations including:
With adverse credit, lenders typically require 15-25% deposit. The exact amount depends on your credit history and circumstances. We’ll advise you on the options available.
Yes, rates may be higher than standard mortgages initially. However, we can often help clients move to better rates after demonstrating good payment history.
This varies by lender and the type of credit issue. Some lenders will consider applications just months after credit problems, while others may require longer. We’ll find the most suitable option for your timeline.
"I have had a number of dealings with Michael regarding financial matters, in particular with regard to mortgages. On each occasion, he has been thoroughly professional, reliable and informative. His assistance has helped save our family a substantial amount of money. I would not hesitate to recommend his services to anyone."
Find out why we’re different and experience a new level of tailored mortgage and protection advice. Book a free consultation today.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
2nd City Finance Limited is an Appointed Representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.
2nd City Finance Limited is registered in England and Wales. Company Number 13055699. Registered Address Advantage House, Stowe Court, Stowe Street, Lichfield, WS13 6AQ
The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore targeted as consumers based in the UK.
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