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 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      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.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn 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 88 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Zin Ameur 
 
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
  
 
      Posted on Google  
   
   Major Tom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
  
 
      Posted on Google  
   
   Alex 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none.

Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward.

With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get.

I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio.

Highly recommended!
  
 
      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.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn 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