Adverse Credit

If your credit history isn’t perfect, you're not alone — and it doesn't mean homeownership is out of reach.

 

At Dent & Cook Mortgage Brokers, we specialise in helping people with adverse credit find tailored mortgage solutions that match their circumstances.

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Whether you've faced missed payments, defaults, CCJs, or more complex issues, we work with specialist lenders who understand that your past doesn’t define your future.

 

What Is an Adverse Credit Mortgage?

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An adverse credit mortgage is designed for people with a history of credit challenges. These can include:

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• Missed or late payments

• County Court Judgments (CCJs)

• Defaults

• Debt Management Plans (DMPs)

• Individual Voluntary Arrangements (IVAs)

• Bankruptcy or repossession

• Payday loan history

• Low or thin credit scores

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Even if you’ve been declined elsewhere, we may still be able to help.

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How We Help

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We’ll take the time to understand your situation, explain your options clearly, and match you with lenders who offer:

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✅ Bad credit mortgage deals
✅ Flexible underwriting criteria
✅ Realistic deposit expectations
✅ Fixed or variable rate options
✅ Consideration of recent financial improvements

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We don’t judge — we focus on solutions.

 

We believe everyone deserves expert support — not just those with a perfect credit score.

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Ready to get started?
Click the icon at the top of this page to be redirected to our external booking site and secure your free, no-obligation appointment with one of our expert advisors.

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