At Empire Mortgages, we understand that life can throw financial challenges your way. Whether it’s missed payments, defaults, CCJs, or even bankruptcy, adverse credit doesn’t have to be a permanent obstacle to owning your home or securing a better mortgage deal. We specialise in helping people with complex financial histories access mortgage products tailored to their unique circumstances.
If you’ve been told “no” by a bank, don’t lose hope. We work with a wide range of specialist lenders who understand that your past doesn’t have to define your future. With our knowledge, experience, and access to the whole-of-market, we’re here to help you move forward.
An adverse credit mortgage is designed for people whose credit reports reflect financial difficulties in the past. Traditional lenders often apply strict criteria, rejecting applicants with adverse credit outright. However, there are specialist lenders who take a more considered approach, looking at your current situation rather than just your credit history.
These mortgages are available to those with:
Specialist lenders assess applications on a case-by-case basis, considering factors such as how long ago issues occurred, the amounts involved, and how your finances have been managed since.
We believe everyone deserves a fair chance at homeownership, regardless of their credit history. Our experienced mortgage advisers know exactly which lenders to approach and how to present your application in the best light.
Our Tailored Approach Includes:
Whole-of-Market Access – Unlike banks, we’re not tied to one lender. We search the entire mortgage market, including specialist lenders who deal specifically with adverse credit.
Expert Knowledge of Complex Criteria – We know which lenders are open to working with applicants who have experienced credit difficulties and can advise on how to strengthen your case.
Personalised Support – No two credit histories are the same. We take the time to understand your unique situation and tailor our advice to match.
End-to-End Service – From reviewing your credit report to handling the paperwork, negotiating with lenders, and supporting you through to completion, we manage the entire process on your behalf.
Proactive Problem-Solving – We anticipate potential challenges and work proactively to resolve them before they become issues with lenders.
We make the process as simple and stress-free as possible, guiding you step-by-step:
Step 1: Free, Confidential Consultation
We begin with a no-obligation chat to discuss your current situation, financial goals, and the specifics of your credit history.
Step 2: In-Depth Credit Profile Review
We analyse your credit reports from leading agencies to gain a clear understanding of your credit file. We’ll help you correct any inaccuracies and offer practical advice to strengthen your profile.
Step 3: Tailored Mortgage Options
We identify lenders most likely to approve your application and present you with tailored options, clearly explaining the pros and cons of each.
Step 4: Expert Application Support
We handle all aspects of your mortgage application, ensuring it is professionally prepared to maximise your chances of approval. We liaise directly with lenders on your behalf.
Step 5: Ongoing Guidance Through to Completion
Our support doesn’t end at approval. We stay by your side throughout the process, keeping you informed at every stage through to completion and beyond.
Don’t let your credit history hold you back. At Empire Mortgages, we specialise in turning financial setbacks into fresh starts. Whether you’re looking to buy your first home, move house, or simply find out what’s possible with your current situation, we’re ready to help. Book a Free Consultation Today and let’s discuss your mortgage options.
Yes, depending on how much time has passed and whether your bankruptcy has been discharged. Some lenders may consider applications after 3 years, though 6 years is more common.
Some lenders accept recent issues, depending on the severity and your current financial stability. We’ll identify the most suitable lenders for your circumstances.
A larger deposit is often required for adverse credit mortgages (typically 15-30%) as it reduces the lender’s risk.
Yes, rates may be higher due to perceived risk, but this varies between lenders. As your credit improves, remortgaging to a better rate later is usually possible.
Refer a Friend Scheme
Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
Registered in Scotland under reference SC545434
Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
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