Andy Panayi CeMAP
Your Independent Mortgage Adviser
Andy Panayi CeMAP
Your Independent Mortgage Adviser
Access Financial Services
100% - the best advice on the market
Our specialists have years of experience, so no matter what your goal, we have the skills and expertise to make it happen.
Access Financial Services
100% - the best deals for your needs
Want to start a family? No matter your end goal, we can personalise your quote to fit your unique circumstances.
Access Financial Services
100% - your best interests at heart
We believe in your dreams like they are our own. We will be with you on every step of your journey.

Poor credit mortgage advice

PoorCredit MortgagesWhat is poor credit?

Your credit report is an electronic document containing your financial history that lenders can see if you apply for credit like a mortgage, loan or credit card. If your credit record includes missed payments, defaults, too much debt or problems like bankruptcy and CCJs, this is known as bad or poor credit.

What if you don’t have a credit history?

If you have never borrowed money or used any form of credit, your credit record will not give lenders any idea of how well you can handle repaying a mortgage. Borrowing money and paying it off in full when it is due can improve this.

How to improve your credit record

If you are currently unable to get a mortgage, we advise that you wait for 3 to 6 months before you apply again. This will give you a chance to improve your credit report by taking control. Here are a few tips;

  • Always make your repayments in time
  • Stay in your credit limit or overdraft limit
  • Avoid applying for too much credit
  • Keep your name and address details up to date
  • Make sure you’re on the electoral register

We understand this can be a tricky time, but we will work with you to find a solution.

Free initial mortgage consultation

Provide your details on the form below and we’ll come straight back to you with a free consultation.

  How we process your data

How we can help.

There aren’t many lenders that are happy to provide mortgages to people with poor credit, which means there is a smaller range of mortgages to choose from. Those mortgages that are available tend to be more expensive as lenders charge significantly higher interest rates to cover the additional risk. In addition, you may need a larger deposit.

At Access Financial Services, we have a network of lenders who we work with. We understand their lending criteria, which combined with our expertise, means can help you improve your chances of getting the best mortgage for your personal circumstances.

We’ll advise you as quickly as possible if you can get a mortgage with the aim to achieve the most competitive mortgage deal for you.


How much can I borrow?

Our specialised calculator can give you a rough estimate of the amount of money that you – or you and a partner can borrow. Make sure you explore your options thoroughly – the mortgage type you choose can change these numbers dramatically, and making the right decision will be crucial.

Your Income:   Partner Income:
Up to: £ *
* This is guide only and all potential borrowing is subject to affordability checks and your credit status.
Want to find out more?
Call 07834 184 525 or email us


For free and friendly advice call Andy today on 07834 184 525

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