Welcome to 2nd City Finance!
Helping your mortgage journey, with adverse credit.
We’re not just any mortgage brokerage… We specialise in adverse credit mortgages. That means we’re experts at helping people with low credit scores, missed payments, and all those financial bumps in the road.
We help clients with:
- Low credit scores
- Missed or late payments
- Defaults
- CCJs
- Debt management plans
- IVAs
Too many rejections? Defaults catching up to you? Feeling stuck?
We get it.
At 2nd City Finance, we understand how tough it can be. We’re here to offer a second chance.
Ready to embrace your future? Take our mortgage eligibility quiz and see how we can help you unlock the door to your dream home today.
Help is at hand. Our team of local, Mortgage Advisors are here to help you get the right mortgage and protection products so that you can focus on the other, more important priorities in life.
Why choose us?
Looking for a reason to trust us? Here are a few:
Expertise & Experience
With years of helping people just like you, we know adverse credit inside out. We’ve seen it all and still got you covered.
High success rate
We’ve helped countless clients unlock their dream homes, even with low credit scores and financial hiccups. Your success story could be next!
Hassle free process
Our process is straightforward and transparent. No fine print, no hidden fees – just clear steps from start to finish.
Limited time offer
Right now, we’re slashing our broker fees by 40%! That’s right. More savings for you as you embrace this journey with us.
Hear from our clients:
Ready to take the next step? Read our success stories and see how we’ve changed lives. Yours could be next.
Got a low credit score? Missed a few payments? Facing defaults, CCJs, or even debt management plans and IVAs? Don’t worry. We’ve got your back. If we can’t secure a mortgage for you right now, we’ll work with you and help you to get into a position where we can. We are on this journey with you, all the way!
At 2nd City Finance, we specialise in helping people just like you. No credit situation is too complex for our team of experts. We understand that life happens and sometimes things can get a bit tricky financially. That’s why we’re here.
Whether you’re looking to buy your dream home for the first time or need to remortgage, we’ve got the expertise to guide you through every step.
Our mission? To make sure you never feel alone in the mortgage world. With us, you’re not just another number. You’re a valued client, and we’re committed to finding the best mortgage solution for you.
How does it work?
Getting a mortgage with adverse credit shouldn’t be complicated.
At 2nd City Finance, our step by step process is SIMPLE, FAST, and HASSLE-FREE.
Step 1. Take our mortgage eligibility quiz:
Wondering if a mortgage is possible? Our quick quiz gives you an indication if its possible. No strings attached, no endless forms. Just a few questions and you're on your way.
Step 2. Request a call back
Prefer speaking to a human? We totally understand! Request a call back from one of our FRIENDLY EXPERTS. We’ll call you at YOUR convenience to discuss your unique situation.
Step 3. Unlock your dream home
Once we have your info, we go to work. We find the BEST deals tailored just for you. You’ll get personalised service every step of the way. From application to approval, we’ll guide you through.
Ready to get started?
Learn about our process and see how easy it can be to secure your dream home with 2nd City Finance.
Discover our Mortgage Eligibility Quiz
Ready to discover if you’re eligible for your dream home?
Our Mortgage Eligibility Quiz is your first step. It’s simple, quick, and designed to gather just the right amount of information
Answer a few questions
We ask for basic details about your financial situation. No need for long forms or endless paperwork. Just the essentials.
Data privacy matters
Your information is safe with us. We use it only to assess your eligibility and nothing more. Rest easy knowing we protect your privacy.
Get results fast
We quickly analyse your answers and give you an indication if a mortgage is possible. Don’t worry if you’re not in a position yet. You can book in for a FREE credit file review consultation with one of our mortgage experts.
At 2nd City Finance, we’re committed to helping you unlock the door to your dream home, no matter your credit history. We understand you’ve been through a lot, and we’re here to make the process as smooth as possible.
Ready to embrace your future?
Get in touch with us today and let’s get started.
Request a call back
Need help? Our call back service is designed just for you. It’s simple, fast, and personalised. Here’s how it works: Fill out the form, we’ll then call you back at a time that suits you. Our expert will listen carefully and offer tailored advice accordingly.
Get started.
Contact us
Got questions? We’re here to help.
Reach out to us anytime, any way you like…
Hear it from those we've helped.
At 2nd City Finance, we don’t just talk the talk. We walk the walk.
When it comes to getting a mortgage with poor credit, our clients have a lot to say.
Frequently asked questions
Got Questions? We’ve Got Answers! Here’s everything you need to know to take the next step towards owning your dream home.
At 2nd City Finance, we specialise in mortgages for people with adverse credit situations. We will assess your current position and advise if a mortgage is possible. If it’s not, we’ll work with you to get you in a position where a mortgage is possible.
We will review all of these for you and can advise you on the most suitable mortgage products and lenders for your individual circumstances and the amount you can borrow.
We recommend arranging a mortgage in principle prior to starting your property search, that way when you do find your dream property you are in the best possible place to make an offer.
It’s simple and hassle-free! Start by taking our mortgage eligibility quiz or requesting a call back. Our experts will guide you through every step—from initial consultation to mortgage approval.
We have access to lenders within our extensive panel with a range of different lending criteria, some of which specialise in lending to individuals with previous credit issues. Our role is to assess your individual circumstances and locate the right lender and product to meet them.
We will review all of these for you and can advise you on the most suitable mortgage products and lenders for your individual circumstances and the amount you can borrow.
We recommend arranging a mortgage in principle prior to starting your property search, that way when you do find your dream property you are in the best possible place to make an offer.
We’ve got you covered! We offer a variety of mortgages tailored to suit different needs. Whether you’re looking for a new purchase or a remortgage, our experts will find the best deal for you.
After that, we charge a fee of £495 to research and provide advice on the most suitable product for your circumstances and manage your mortgage application process with your selected lender.
We also receive a commission from the lender which whom your mortgage has been placed.
Your privacy is our priority. We use secure systems to ensure your information is protected. Rest assured, you’re in safe hands.
After that, we charge a fee of £495 to research and provide advice on the most suitable product for your circumstances and manage your mortgage application process with your selected lender.
We also receive a commission from the lender which whom your mortgage has been placed.
Quick and easy! Take our mortgage eligibility quiz to get an indication. Or, request a call back and speak to an expert.
Ready to find out more? Request a FREE credit report review with one of our expert advisors and get all the details you need to take the next step.
Reassured? We hope so. Now let’s get you one step closer to that dream home!
After that, we charge a fee of £495 to research and provide advice on the most suitable product for your circumstances and manage your mortgage application process with your selected lender.
We also receive a commission from the lender which whom your mortgage has been placed.
Ready to join the ranks of our success stories?
See some of our case studies and unlock your path to homeownership today.
Contact us
Got questions? We’re here to help.
Reach out to us anytime, any way you like…
Our fees and charges vary depending on the Services we provide to you. Our typical fee for mortgage advice is £495 which is payable on application. For more complex cases such as debt consolidation and adverse credit mortgages the maximum you can expect to pay would be £1,250. We also receive a commission from the lender which whom your mortgage has been placed.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Registered in England and Wales 2nd City Finance Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited. Advance Mortgage Funding Limited is authorised and regulated by the Financial Conduct Authority.
The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office address – Sigma House, Hadley Park East, Telford, Shropshire, United Kingdom, TF1 6QJ Registration number – 13055699 Trading address – 27 Piccadilly, Stoke-on-Trent, Staffordshire, ST1 1EN