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Bad credit mortgage specialists
The high street looks at your credit file. We look at your whole situation, then search 120+ lenders including the specialists who accept CCJs, defaults and past IVAs.
Free, no-obligation conversation · 5.0★ from 534 Google reviews
You apply, you wait, and the answer comes back: declined. No explanation beyond “credit history”. It knocks your confidence, and it can leave a mark on your file if you keep applying blind.
Here’s what the bank doesn’t tell you: they only sell their own products. A default from 2022 or a settled CCJ might rule you out with them and be perfectly acceptable to a specialist lender the same day.
That’s where we come in. We find the lenders whose criteria actually fit your history, so you apply once, in the right place.
Every situation below has lenders willing to consider it. What matters is how recent it is, the amounts involved and your deposit. An adviser will tell you honestly where you stand.
Satisfied or unsatisfied, recent or historic. The right lender depends on the detail, and we know which lender fits which case.
In one now or completed years ago, options exist. We will tell you what is realistic today and what improves your position for later.
More lenders will consider you than most people expect, especially once you are a few years past discharge.
One late phone bill is not the same as mortgage arrears, and lenders treat them differently. We put your case to the ones that see the difference.
Thin credit files and scoring quirks catch out plenty of good borrowers. A human underwriter can look past a number.
Trapped on a high rate because of your file? We check whether a specialist remortgage could bring your monthly payment down.
Pick a time below or call us. It costs nothing and there is no obligation.
Your adviser searches 120+ lenders, including the specialists the high street does not offer, and tells you honestly what is possible.
We handle the application and the paperwork, and keep you updated at every step until completion.
5.0★ from 534 Google reviews
“Having had 2 negative broker experiences I finally found Trinity Finance. From the beginning I felt finally like I was talking to a trustworthy, honest broker who was being transparent from the outset. Lee was brilliant as was James. Between them they kept me well informed on progress and helped us reach a successful mortgage offer. Highly recommend Lee from Trinity Finance.”
“From day one, Vijay demonstrated exceptional professionalism, deep knowledge, and a genuine commitment to supporting us through our mortgage journey. When our vendor unexpectedly pulled out halfway through and market rates changed, it could have easily derailed everything. However, Vijay remained calm, proactive, and determined, ultimately managing to secure our original rate despite the circumstances.”
Often, yes. Lenders look at when the CCJ was registered, how much it was for and whether it is satisfied. Some specialist lenders accept CCJs registered as recently as the last 12 months, usually with a larger deposit.
Typically 10–25% depending on how recent and how serious the credit issues are. The further behind you your problems are, the closer to a standard deposit you get. Your adviser will give you a real figure for your case.
No. We start with a soft check and a conversation. Nothing is applied for until you have seen the options and chosen one.
No, but it is the right time to apply differently. Being declined by one bank says very little about the wider market. What matters is applying to a lender whose criteria fit your file, which is exactly what we do.
The initial conversation is free and there is no obligation. If we arrange your mortgage, any fees are explained clearly and upfront before you commit to anything.
Choose a day and time that suits you and an adviser will call you back.