General adverse credit mortgages

Securing a mortgage post-bankruptcy is challenging, but our specialised brokers can connect you with understanding lenders after just 12 months.

ADVERSE BROKER WINNER

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Enquire about a mortgage with our pre-qualifying affordability form. No imprint on your credit score

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 85 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
      Posted on Google  
   
   Lisa Zuccotti 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent company to deal with , very efficient and caring ensured all our needs where met . Highly recommended.
  
 
      Posted on Google  
   
   Reece Baird 
 
 
 
 Trustindex verifies that the original source of the review is Google. claire.geraghty Amazing lady, helped me all the way to the finish line! Highly recommend!
  
 
      Posted on Google  
   
   graham draper 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

We could help you obtain a mortgage, even if you have bad credit

If you’ve missed or been late with credit payments, there are still plenty of mortgage options available. We work with lots of lenders who will offer bad credit mortgages if you’re looking to remortgage or get onto the property ladder.

We have access to over 30 bad credit lenders

Missed or late payments and default notices – accepted
Remortgage options available for up to 90% of your property’s value
Purchase a property with just a 5% deposit

Mortgage application process

4 simple steps for applying for a mortgage. See more about the mortgage application process here

Whatever your mortgage goal, there will be something for you

We're on a mission to save you money on your mortgage

Over 100 lenders
Personalised Advice Service
1000s of products and access to exclusive rates
Tailored recommendations to your individual needs
We do the application on your behalf
Secure Online Portal for document upload
We liaise with all parties on your behalf
Helping you even where others have said no
Excellent Reviews

Arrange a callback

We specialise in helping people find a mortgage and remortgage.

We require your details only once and we’ll know the best lenders for your circumstance and give you the best rates.

What should I do next?

There are many ways to contact us

Enquire online – our simple online form takes just a few minutes.

Give us a Call – our qualified advisers will assess what you are looking and do all the hard work for you searching the market – 0330 232 0285.

Ask for a callback – havent got time now? Ask us to call you back and a time / day convenient to yourself. Call me back.

LiveChat – message us here and tell us what you are looking for our agents are on hand to help.

Below are some of the lenders we work with

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

      EXCELLENT  
   Based on 85 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   sunday ifenkwe 
 
 
 
 Trustindex verifies that the original source of the review is Google. They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly.  I am happy I used their services.
I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
  
 
      Posted on Google  
   
   Ifenkwe Grace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Well so far the experience with you guys has been pretty great
  
 
      Posted on Google  
   
   Hannah Vivian 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
  
 
      Posted on Google  
   
   Stephen Dowding 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
  
 
      Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through.

Sarah and her team were brilliant.

They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage.

We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care.

A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
  
 
      Posted on Google  
   
   Lisa Zuccotti 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent company to deal with , very efficient and caring ensured all our needs where met . Highly recommended.
  
 
      Posted on Google  
   
   Reece Baird 
 
 
 
 Trustindex verifies that the original source of the review is Google. claire.geraghty Amazing lady, helped me all the way to the finish line! Highly recommend!
  
 
      Posted on Google  
   
   graham draper 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

General adverse credit mortgages

Getting a mortgage after bankruptcy can be difficult but not impossible, with many highstreet lenders declining applications with previous bankruptcy. Our specialist brokers and the lenders they work with believe that everyone deserves consideration, and could help you find a mortgage even after bankruptcy. This usually happens after a bankruptcy term of 12 months.

Case Study

Helping a couple improve their credit score and secure a competitive mortgage rate

We helped one couple do just that. With our help, Mr and Mrs K were able to:

	Balance	Payment	Rate	Term
Previous Mortgage	£118,930	£615	2.39%	20
New Mortgage	£291,200	£1,096	1.96%	29

Enquiry

The customers came to us after speaking to other mortgage brokers who, they thought, weren’t offering the most competitive rates. They wanted to move to a larger property to give the growing family the space it needs, especially with 2 young children.

Solution

We firstly had to work out why other mortgage brokers couldn’t offer the best rates. After running the customers credit files, on our own system, we saw missed payments on an account.

As the recorded have been marked incorrectly, we worked with the customers to put a notice of correction on the credit file, without the correction, the best lenders were declining a new mortgage.

Whilst we knew of lenders that would accept an application with missed credit card payments, we wanted to get the customers the very best rate on the market, it was therefore better to get the credit file corrected.

We then placed the mortgage with a high street lender and the customers were able to secure their dream home, have the space they needed for the family and save stamp duty, due to the Government incentive.

Correct at time of mortgage

0330 232 0285

0330 232 0285

0330 232 0285