poor credit mortgage

Even if you have had issues with bad credit in the past, you could still be able to get a mortgage.

We have built up specialist knowledge in this area and will be able to offer practical advice to guide you in obtaining a mortgage product that is suitable for your circumstances.

01.

Improve your credit rating.

If you have a low credit rating there are several things you can do to start improving your score. We have built up specialist knowledge in this area and will be able to offer practical tips and advice.

02.

Identify the most suitable lender.

Even if you have had issues with bad credit in the past, you could still be able to get a mortgage. We use the latest in sourcing and criteria technology to source from over 90 lenders.

03.

Making it possible.

Even if we are unable to find the proper solution for you now, we can give you guidance and set out a plan of do’s and don’ts for the future.

poor credit mortgages

We recognise life doesn’t always run smoothly and lifechanging events can often leave you in a different financial circumstance that can affect your ability to pay your mortgage or other commitments. Often this will lead you to think there is nothing that can be done.

With the previous financial crash and downturn in the economy, many people found themselves in a position of credit unworthiness.

We have a highly experienced and dedicated mortgage team who deal with poor credit applications that can expertly identify solutions for you. Whether you are looking to get onto the property ladder, release funds from your mortgage to clear some debts or make that long awaited home improvement. We are here and ready to help.

SPEAK TO ONE OF OUR EXPERTS

We can help find the solution that is right for you

We have helped many clients who have had previous credit issues with a wealth of different scenarios. This may be that you have had:

Missed or late payments

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

CCJ's

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

IVA's

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

Trust deeds

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

Wage arrestments

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

Debt management plans

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

Bankruptcy

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

Low credit score

It’s not the end of the world and may not be as bad as you think. We can still help you find a high street lender.

Solutions.
We find them.

Dedicated.
Poor credit team.

Experts.
We have experience.

These can all contribute to your inability to get a mortgage freely.

We will work tirelessly to get you a solution from a vast range of different mortgage products by assessing your credit file, understanding the circumstances within which you had payment difficulties and through our experience and available options, we are highly confident we can find the right solution for you.

We take a sympathetic and understanding approach to getting your mortgage and have a good relationship with lenders who will take an understanding view of your circumstances. Why not call one of our poor credit mortgage experts today and find out what we can do for you.

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

Trusted Mortgage Experts…

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Evelyn Leigh
Evelyn Leigh
03/03/2022
Fantastic service. Stisi group even work in the evenings on your behalf to submit your application. So impressed with Chris and Emma. Thank you so much for making this whole process effortless.
Francesca Marcia
Francesca Marcia
26/01/2022
I was trying to buy a second property and I am so glad Chris, William and Lorraine helped me. Chris recommendation were great, he was extremely helpful and professional, he responded to all my questions and I never had to wait for his emails. He kept me updated during the whole process. William was a star, he followed up weekly and kept me updated on all the progresses of my mortgage application, he reassured me constantly when I was worried and made sure to get in touch after my shift at work to keep me in the loop of everything. The service I received was great. I highly recommend Stisi Group.
Victoria Harper
Victoria Harper
07/01/2022
5* service from Ross and the team as always. Stisi Group have managed our portfolio for many years and I wouldn't go anywhere else. Highly recommend.
Isaac Pringle
Isaac Pringle
16/12/2021
As a First Time Buyer the entire process of gaining a mortgage and buying your first home can be daunting and scary. Ross and the team made the whole process super simple for me and my partner, answering all of our questions and going above and beyond to make sure we understood everything involved. On top of that they got us a fantastic deal we would never have been able to get ourselves! Would highly recommend!
NTina Doryforou
NTina Doryforou
07/09/2021
Our mortgage is offered after just 10 days from when we started communicating with the Stisi group. Very friendly and effective brokers. Thank you for your help and support!
Paula Murphy
Paula Murphy
04/08/2021
The exceptional service that I received from Chris Usher during the entire mortgage application was impressive and truly appreciated. From beginning to end Chris was informative, extremely thorough and so helpful. Both Chris and his colleague Lorraine Brown responded quickly and efficiently to any questions I had. My mortgage application went through smoothly and quickly and I could not have asked for better service. I would highly recommend Chris and the team to anyone looking for a mortgage - so professional and dedicated to excellent customer service. My relocation was so stress free and smooth!
Iva Mayer
Iva Mayer
17/04/2021
Absolutely amazing service.Being first time buyers in new country we really didn't know where to start. From the day 1 Craig was super helpful and patient , answerd all our questions and sorted out all problems during the process. Thank you so much!
Gary Blackwood
Gary Blackwood
08/04/2021
Outstanding service. Always available to answer questions and take the time to explain what is going on. As a business owner they have done better than any company I have spoken to before about getting a mortgage. I highly recommend the Stisi group and honestly given the level of service I would give them more than 5 stars if I could.
Matt Armstrong-Ford
Matt Armstrong-Ford
31/01/2021
Friendly, polite and incredibly efficient.

STISI GROUP

Stisi Group is a trading name of Clear Mortgage Solutions Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau Limited (Derby) Limited who are authorised and regulated by the Financial Conduct Authority.
Clear Mortgage Solutions Limited. Registered Office: 114 Centrum House,
Dundas Street, Edinburgh, EH3 5DQ. Registered in Scotland Number: SC463175.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED ON IT.

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