ADVERSE CREDIT

K

MORTGAGE ADVICE THAT’S AS UNIQUE AS YOU ARE

Money problems can affect anyone but there are certain credit issues, such as missed payments, defaults, county court judgements and bankruptcy, which can make it more difficult to secure a mortgage, especially as these days, mortgage companies are likely to favour customers with good credit histories, perfect work records and large deposits.

Mortgages for people with adverse credit ratings.

The good news is there some lenders out there that are willing to provide mortgages to clients with a less than perfect credit history. The products that are currently on offer to people with previous credit issues are also not as costly as they have been in the past. In fact, depending on your circumstances, you could be offered a product which is not too far away from a mainstream mortgage in terms of rate/overall cost.

How can Personal Mortgage Solutions help?

Whilst we can’t guarantee a successful mortgage application we will do our very best to maximise your chances through impartial, professional advice and guidance. Our in-depth knowledge of the mortgage market means we know the lenders most likely to take into account your personal circumstances, whilst also securing the very best deal we can for you.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

CONSOLIDATING DEBT MAY REDUCE YOUR OUTGOINGS NOW, HOWEVER YOU MAY PAY MORE INTEREST OVER YOUR MORTGAGE TERM

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

K

WHAT TYPE OF MORTGAGE ARE YOU LOOKING FOR?

FIRST TIME BUYER

MOVING HOME

REMORTGAGE

BUY TO LET

K

WHO WE WORK WITH

Below is just a small selection of the lenders we’re able to work with on your behalf

K

WE’RE WITH YOU EVERY STEP OF THE WAY

With over 10 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

Learn more

K

10 +

YEARS OF FINANCIAL EXPERTISE

We love our job and hope that shows through when there is nothing about the industry that our experienced team do not know.

K

100 +

Mortgages To Suit You

No matter your circumstances, we are here to get the right mortgage for you.

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.

K

FIRST TIME?

First time buyer mortgages

K

MORTGAGES

Looking for a mortgage deal?

K

PROTECTION

How to protect your mortgage

K

REMORTGAGE

Get great remortgage deals

K

READY TO DISCUSS YOUR OPTIONS?

With hundreds of mortgage products available, you can be sure that our experienced mortgage team will find a great deal for you.

Get in touch

K

WHAT OUR CUSTOMERS ARE SAYING

Happy clients are the bedrock of any business and ours is no exception.

    
 
 
      Trustindex verifies that the original source of the review is Google. Thank you Steve and Lucy! The team at personal mortgage solutions were amazing from start to finish. They understood our need and went the extra mile to ensure we had everything sorted quickly. Even giving extra advice and reassurance. We’ll be using them again in the future.
  
  Posted on Google  
 
    
   Nathanael Freeman 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Very happy with our experience. Steve has helped us purchase a house 3 times now and we can't sing his praises enough. He is knowledgeable, supportive, offers lots of different options and is always good humoured and pleasant. Thanks again, Steve!
  
  Posted on Google  
 
    
   Charlotte R-G 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Always get you the best deal. Gives you as much information as you require. Can't get any better.
  
  Posted on Google  
 
    
   Nathan Dharwarkar 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. I honestly can't thank Steve enough for all his help throughout my home-buying journey. Steve was actually highly recommended to me by a trusted friend and colleague, and now I completely understand why. From the very beginning, he has been incredibly supportive, patient, and knowledgeable, making what can be a very stressful process feel much more manageable. As a first-time buyer, there were plenty of things I didn't understand, but Steve always took the time to explain everything clearly, especially the more technical aspects of mortgages and the buying process. No matter how many questions I had, he was always happy to help and never made me feel like I was asking too much. What really stood out was the support he gave me when my first purchase fell through. It was a stressful and disappointing experience, but Steve was there every step of the way, offering guidance, reassurance, and helping me get back on track. His patience and encouragement made a huge difference. I've already recommended Steve to friends and colleagues who are looking to buy their first home, and I'll continue to do so. If you're looking for a mortgage broker who is knowledgeable, approachable, and genuinely cares about his clients, I couldn't recommend him enough. Thank you, Steve and team, for all your help and support. It's been truly appreciated! 🏡😊
  
  Posted on Google  
 
    
   estela Mendoza 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. We had a fantastic experience with Personal Mortgage Solutions Ltd from start to finish. The whole process was handled quickly and efficiently, making what can often be a stressful experience feel straightforward and manageable. Every step was clearly explained, and all of our circumstances were carefully discussed and taken into consideration. Steve took the time to answer all of our questions, explain our options clearly, and keep us updated throughout. Communication was excellent, and we always felt supported and well informed. Not only were they brilliant with arranging our mortgage, but they were also fantastic when helping us with our insurance policies. They took the time to explain the different types of cover available, ensuring we understood what was best suited to our needs without any pressure. Their advice was professional, honest, and incredibly helpful. Thanks to their knowledge, efficiency, and dedication, both our mortgage and insurance arrangements were completed smoothly and much more quickly than we expected. We would highly recommend Personal Mortgage Solutions Ltd to anyone looking for expert advice and outstanding customer service. Thank you for making the whole experience so positive and stress-free. 5 stars! ⭐⭐⭐⭐⭐
  
  Posted on Google  
 
    
   Chloe “Ferguson” Sürer 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Fantastic, professional service from start to finish. Thank you for your support.
  
  Posted on Google  
 
    
   Richard Curtis 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Thanks so much to Steve and Lucy for helping us secure a great mortgage offer. They kept us informed the whole way through and answered any questions when needed. Would highly recommend.
  
  Posted on Google  
 
    
   Lauren Longley 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Steve and Lucy have been brilliant from start to finish. They clearly explained every stage of the process in what was a long buying journey for us. They dealt comprehensively and patiently with our many, many questions as first-time buyers and were also an invaluable source of informal advice on everything from solicitors to surveys and insurance. The level of service and communication they provided was incredible, and on at least one occasion, Steve answered an email sent on a Sunday afternoon with a phone call about 10 minutes later. We couldn’t recommend them highly enough.
  
  Posted on Google  
 
    
   finbarr o'reilly 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. We can’t thank Steve enough for everything he did for us. What felt impossible at the start, he turned into a reality. He was patient, professional, and always kept us informed every step of the way. If you’re looking for someone who truly goes above and beyond, Steve is the one.
  
  Posted on Google  
 
    
   Abbie Esan 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Steve and Lucy have been fantastic from start to finish throughout our mortgage journey. They made the process smooth and easy to understand. Perfect for us as first time buyers! Very friendly, helpful, and efficient.
  
  Posted on Google  
 
    
   Chloe Wood