Our No Offer, No Fee Guarantee means we dont charge unless we can help you!
Because we dont charge a fee for any of our initial advice, our credit report appraisal, or even the work up to getting you a mortgage offer, you can be sure that we will be open and honest with you about your situation. If we can’t help, we will tell you, and we’ll also let you know what you need to do to get ready to be able to move forward later.
Call us NOW!WhatsApp us NOW!Email us NOW!Your home may be repossessed if you do not keep up repayments on your mortgage.
We pride ourselves in helping people with historical adverse credit to get a mortgage.
Just because you have had issues in the past often does not mean you cant get a mortgage. We offer a full appraisal of your credit report before we start so we can fully understand your situation. From that we can guide you through the process of obtaining a mortgage, or help to get you in a position to be successful later down the line
Try Our Adverse Credit Assessment Tool – No Credit Check Required.I’ve been told I can’t get a mortgage. Why are you different?
We base everything on a full overview of your credit report. Each lender has different rules on what they will and wont consider, and we do the work to find the lenders that CAN help.
What is an Adverse Credit Mortgage?
There is no difference between a standard mortgage and an adverse mortgage. It works the same way, with much the same process. Some lenders are more lenient than others, and as we can work with pretty much any lender, we can help!
What is Adverse Credit?
Adverse credit can be anything from a missed payment, to Bankruptcy. And yes, we have found mortgages for both those (and people with defaults, CCJ’s IVA’s and DMP’s!)
Even having no credit at all can be a barrier, but we can help there too!
What is your Credit Report Appraisal?
We will review your full report, and summarise what the key issues are, and how to address them. We will go onto let you know if a mortgage is possible, the kind of deposit and rates you will attract, and if we cant help now, we will help you get ready!
How do we do it?
Let us take the stress out of getting a mortgage with bad credit!
With access to the whole of market, we can match a lender to your specific circumstances.. Here is what we do for you
Contact usResearch, Research, Research
Starting with your credit report, we will analyse and pick apart the details, and match the details on the report to a range of lenders who can help. That gives us an idea of if we can get you a mortgage and how the case will likely play out. learn moreFinancial Appraisal
We will then collect all the information required to assess your financial position. Think of this like everything a lender will look at, but without going to a lender! At the end of this stage, we will know which of the list of lenders we researched will lend you what you need. learn moreGet it all together
We will collect all your documents in readiness to apply for a Decision in Principle, and ultimately an application. We do this so we can check what the lender will see when they ask for documentation – so again, making sure you are in the best place to be put forward for a mortgage. learn moreGet it started.
Decision in Principle, through to Application and to Offer – we manage the whole process. As most of the work will have been done up front, its down to us to manage the flow of questions and requests from the lender to get to the mortgage offer. learn moreOur FREE and NO OBLIGATION Online Credit Report Appraisal Tool
The first step of getting the keys to the house of your dreams, is understanding your credit report.
Completing our online assessment tool allows you to answer a few short questions and obtain an appraisal of your current credit report without any credit checks or lengthy discussions.
When you submit your responses you will be emailed a summary of where the key risk areas are on your report, along with helpful hints to understand what is possible.
There is an option to download your credit report and sent it over to us for a more personal appraisal (Free of Charge of course!)
We recommend Check My File
All the links in one place !
Grab your Reports!
Here are all the links to all the reports you need for our Free Credit Report Checking Service.
We can take either the Check My File Report on its own, or the Statuatory Reports from Equifax, Experian and Transunion
Check My File – 7 Day Trial (then £14.99 per month)Experian Statuatory ReportEquifax Statuatory ReportTransunion (Call Credit) Statuatory ReportCheck My File
Sign up for a 7 Day Free Trial, but you can cancel the trial or subscription at any time.
After the initial trial, Check My File costs £14.99 per month
Our Credit Report of Choice!
Experian
Traditionally scores are higher with Experian, which is a blessing and a curse! Experian have their own app downloadable from the App Store or Google Play
learn moreEquifax
Tends to score lower than Experian, but many lenders use Equifax alongside other agencies. Commonly, we see clients who have the Experian App, but are declined at Decision in Principle due to adverse issues on the Equifax Report. Their Free App is ClearScore on the App Store or Google Play
learn moreTransunion
Used less frequently than the other two in isolation, however many smaller debts (such as pay day and short term, low value loans) show on here which can cause problems when a lender searches more than one agency. Their Free App is Credit Karma available in the App Store and Google Play
learn moreContact us NOW!
Whether you are ready to get started or just want a credit report appraisal, complete our contact form for a free callback
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages 4 U is a trading style of M4U Mortgages Ltd, who is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 1062466.
Registered Office : M4U Mortgages Ltd, 23 Pembroke Ave, Corringham, Essex. SS17 7PW.
Registered Company Number 1731766 Registered in England & Wales