Adverse Credit Mortgages: Honest Advice, Real Solutions
A poor credit history doesn’t have to mean the end of your home-buying or remortgaging plans. Whether you’ve had missed payments, defaults, CCJs, or even past bankruptcy, there are lenders willing to help — you just need to know where to look.
At Need Financial Planning, we specialise in finding solutions for clients who don’t fit the “perfect” high-street profile. Based in Kent, we work with people across the UK to match them with lenders who understand that life happens — and that your past doesn’t define your future.
We’ll give you straight-talking, jargon-free advice, guide you through what’s possible, and help present your case in the best possible light.
Not sure which call is right for you? See the 'Our Process' section below.
Why choose us?
We know which
lenders say 'yes'
Not all lenders treat adverse credit the same. We have whole-of-market access and know which lenders are open to helping borrowers with credit issues.
We’ll be upfront
from the start
No false promises. We’ll give you honest advice about what’s possible now — and what steps you might need to take before applying.
We’ll guide you
every step
From getting your credit report to preparing your application, we’ll handle the process and liaise with lenders on your behalf to give you the best chance of success.
Poor Credit Mortgage FAQs - Quick Answers to Common Questions
No waffle, no jargon – just fast answers to your key questions.
Can I get a mortgage with bad credit?
Yes, but it depends on the type and severity of your credit issues, and how long ago they happened. Some specialist lenders are more flexible than high-street banks.
Does it matter how recent my credit issues are?
Yes. The older the issue, the better. Some lenders will accept defaults or CCJs that are over 3 years old, while others may consider newer ones if they’re satisfied with your current financial stability.
Can I improve my chances before applying?
Absolutely. Even simple steps — like clearing small debts or registering on the electoral roll — can help. We’ll give you personalised tips before you apply.
Will my interest rate be higher?
Usually, yes. But improving your credit over time can help you remortgage onto better rates later — we’ll help you plan ahead.
Tips to Improve your Credit Score Before Applying for a Mortgage
Taking simple steps now can strengthen your application and widen your lender options:
Check your credit file regularly – Look for errors or outdated information and get them corrected.
Set up direct debits for bills – Ensuring payments are made on time every month builds a positive payment history.
Get on the electoral roll – Lenders like to see stable address history.
Clear small debts first – Even reducing credit card balances can make a big difference.
Avoid applying for new credit – Too many recent applications can be a red flag.
Keep your bank accounts tidy – Lenders will often look at your statements; avoid going overdrawn where possible.
(Not sure where to start? We’ll help you review your credit report and guide you on what to prioritise).
Our Process - Your Mortgage Journey
Intro Call
(Optional)
If you’re new to us, we’ll start with a quick, friendly call to understand your situation and check we’re the right advisers for you.
Strategy
Call
We’ll talk through your goals — buying, remortgaging, or consolidating debt — and what’s realistic based on your credit history.
Research & Recommendation
We'll search the whole market and present the most suitable option for you in a clear, no-jargon recommendation call.
Application Submission
We’ll package your case professionally, explaining your credit history clearly to give you the strongest chance of approval.
Lender & Legal Processing
We'll work closely with your mortgage lender and your solicitor to make sure the process moves smoothly. You’ll receive regular updates and support throughout.
Completion
& Beyond
We’ll help you complete your mortgage and support you in improving your credit to access better rates later.
Our Process - What to Expect from Your Calls
What's the difference between an Intro Call and a Strategy Call?
The Intro Call is a short, informal chat designed for those who want to explore their options before diving into the full mortgage process. It’s a great way to ask initial questions, understand how we can help, and decide on the best next steps.
The Strategy Call is a more in-depth conversation where we take a closer look at your mortgage goals, financial situation, and eligibility. This call helps us outline potential options tailored to you, including indicative affordability and monthly payments.
If you're unsure which to choose, start with the Intro Call, and we can always book a Strategy Call when you're ready for more detail!
How will my call take place?
The format of your call depends on the type of appointment you’ve booked:
Intro Calls will take place either over the phone or via Microsoft Teams.
Strategy Calls are typically held via Microsoft Teams, but if you’d prefer to meet in person at our Broadstairs office, just reply to your confirmation email to let your adviser know.
What will the Strategy Call involve?
The Strategy Call is an in-depth consultation designed for those who are ready to explore specific figures and tailored recommendations. Prior to the call, you’ll complete a fact-find form providing key details, allowing your adviser to conduct initial research and prepare insights relevant to your situation.
During the call, you’ll have the opportunity to discuss your goals, review detailed calculations, and receive strategic guidance based on your circumstances. We will also cover relevant insurance products that go hand in hand with your mortgage goals. This session is ideal if you’re looking for a comprehensive discussion and well-informed next steps.
If you’re still exploring options and would prefer a brief introductory chat, our Intro Call may be a better starting point.
Is there a fee for the calls?
No, there’s absolutely no cost for any of the mortgage calls. We believe in offering support and guidance upfront, so you can ask all the questions you need—completely obligation-free.
I’m not sure which call type to choose—what should I do?
That’s okay! If you’re unsure, just pick the one that feels closest to your situation. During the call, we’ll make sure we’re focusing on the goals that matter most to you. And if you need further guidance, feel free to reach out before booking.
How long will the call take?
The Intro Call is a quick, informal chat usually lasting around 15 minutes. It's designed to answer your initial questions, discuss your goals and help you decide on the best next steps.
The Strategy Call is a more detailed conversation and typically last around 45-60 minutes, although we block out 90 minutes to ensure we have plenty of time to explore your situation in depth, assess your mortgage options, answer all of your questions and outline the best way forward.
What happens after the call?
After the call, we’ll email you with a summary of what we discussed, along with any next steps. There’s no obligation to proceed, but if you’re ready, we’ll guide you through the process from start to finish.
I can’t make my scheduled appointment—can I reschedule?
Of course! Life happens. You’ll find a reschedule button in your confirmation email, so you can choose a new time that works better for you.
Will I need to provide any documents during the call?
While it’s not essential, providing documents like proof of income, your credit report, and recent bank statements before the call can be really helpful. It gives your adviser a chance to review your information and identify any potential hurdles ahead of time, so you can get the most out of your Strategy Call.
What our clients say about us ✪✪✪✪✪
We’re proud to help homeowners, buyers, and investors across Broadstairs, Kent and beyond with expert mortgage and financial advice. See what our happy clients have to say!
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.
Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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