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?


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.

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.

Leave the hard work to us

By searching far and wide from thousands of live offers we can secure the best mortgage for you.

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.

Welcome to your new mortgage

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


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

    Yes, it is possible to get a mortgage with a poor credit rating. Whether it’s defaults, CCJ’s, or debt plans, 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 we can. 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 that's right for you.

  • Will previous missed payments affect me?

    It is still possible to secure a mortgage even if you have previous missed payments. 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, but we’d help you secure the most suitable deal.

  • Can I get a mortgage with a CCJ?

    In short, yes. Whilst it is slightly more challenging to obtain a mortgage when you have a CCJ, depending on the number, length, and amount of the CCJ(s), you may be surprised by the number of lenders who will still consider lending to you. Our expert brokers will source the best available deal for you.

  • What lenders will help me if I have bad credit?

    There are many lenders on the market that specialise in adverse credit mortgages, and as independent mortgage brokers, we have access to all lenders from across the mortgage market. This positions us in the perfect place to source for you the most suitable mortgage arrangement.

  • What areas of the UK do you cover?

    We are privileged to cover the whole of the United Kingdom, and to date have helped thousands of clients with their mortgage needs. Our mortgage brokers provide a uniquely accessible service, and work to your complete preference, with the view of providing the absolute best service.


Why 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.

Request Free Consultation

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.

More Details

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.

More Details

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.

More Details

Do you have an enquiry? Contact us.

Contact Us
The Mortgage Specialists
Rated 5 Star on Trustpilot
Whole of Market Mortgage Advice