Lenders see those with an adverse credit rating as a risk which often means that securing a mortgage deal can be much more difficult. However, just because you have suffered with adverse credit in the past, doesn’t mean you can’t secure a mortgage. There are some lenders on the market that specialise in mortgage products that are specifically designed for those with adverse credit.

Whether you have been recently hit with bankruptcy or regularly missed your credit payments, we have secured a wide range of adverse credit mortgages with great success for our clients. Regardless of your circumstances, we are with you every step of the way. So relax, be upfront with us and let our specialist mortgage brokers find the right deal that suits you.

What's the next steps?

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Get in touch

Choose by email, phone, or face to face to meet with a qualified advisor who can talk you through the next steps.
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Let’s find out about you

By reviewing who you are, your aims, and what you require from your new mortgage, we leave no stone unturned in finding you the perfect deal.
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Leave the hard work to us

By searching far and wide from thousands of live offers we can secure the best mortgage for you.
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It’s application time

Once ready we will fully package your case and work with the chosen company to gain a successful mortgage offer. Just sit back and relax.
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Welcome to your new mortgage

With a successful offer the money is yours. Spend it wisely!
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Faqs

Below you can read our most frequently asked questions.
  • Can I get a mortgage with adverse credit?

    Yes, it is possible to get a mortgage with an adverse credit rating. However, you may find your options are more limited than if you had a good credit rating. With access to many adverse credit mortgage deals, our experts will find you the most suitable mortgage.

  • I have a default, can you help me?

    Yes. The majority of mortgage lenders are only interested in your most recent credit activity. So, even if you do have a default on your file, our mortgage experts can still help find a mortgage thats right for you.

  • Will previous missed payments affect me?

    It is still possible to secure a mortgage even if you have missed payments in the past. There are lenders that will be happy to consider you even if you have missed multiple payments. You may just find that it is a little bit more difficult to secure a deal.

  • Can I get a mortgage with a CCJ?

    You may find it difficult to secure a mortgage with a CCJ on your file, but it is possible. Mortgage lenders who specialise in CCJ and adverse credit mortgages are more likely to accept you. However, they generally have higher interest rates.

  • I’m in a debt management plan, can you help?

    It is possible to get a mortgage with a debt management plan, whether it is active or has been completed. Just like a standard mortgage application, most lenders will consider you if you can pass their general qualifying criteria.

  • What lenders will help me?

    There are many different lenders on the market that specialise in adverse credit mortgages. And, as independent mortgage brokers, we have access to a range of these lenders meaning we can help you secure a mortgage deal if you have adverse credit.

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Why should you choose Pinnacle?

Honest Advice

Our promise is to deliver impartial, expert advice to our clients, allowing you to make an informed decision. Via our independent status, we're perfectly placed to deliver suitable guidance.

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Excellent Customer Care

We truly understand the importance of delivering an exceptional customer experience. Our client feedback is testament to our commitment and dedication to exceeding all expectations.

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Unique Proposition

Our model provides you with access across the financial and property markets. By centralising this process, we can pass on not only the financial benefits, but also save you time and stress.

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Flexible Approach

We can offer appointments 7 days a week, between 9am to 9pm. Whether it's face to face, by phone, or online, we can accommodate to your preference. Your convenience is our goal.

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Testimonials

Check out what our clients say about us!

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Available 7 days a week, from 9am to 9pm
Available 7 days a week, from 9am to 9pm