Adverse Credit

Helping you get your finances back on track

 

We appreciate that for a variety of reasons, people can sometimes fall behind on their credit commitments or find themselves in financial difficulty.

Adverse credit refers to a credit history with harmful entries such as late payments, being in arrears, defaults, bankruptcy or CCJs. These can damage a person’s credit score and their ability to take out finance, including mortgages.

There are lenders who specialise in Adverse Credit Mortgages, but the fees and rates tend to be higher to offset the risk associated with lending to customers with adverse credit histories.

Alternatively, some of the mainstream lenders are more flexible than you might think, which is why it pays to speak to experts like ourselves who can help you navigate your options. We also offer practical tips to assist you in getting your credit history back on track.

 

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    -- Alexander S

  • ''I wasn't sure if I was suitable for a mortgage, but I cannot recommend Kelly and the team any more highly. Any person needing a mortgage can rest assured they will do nothing but the very best for you.''

    — Kyle W

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    — Jess B

  • ''Tom managed to find us a better deal than we got going directly to banks. He has been there every single step of the way and we cannot thank him enough. We would not go anywhere else now.''

    — Elizabeth B

  • ''I am a first time buyer and Tom has been extremely helpful, no question too silly, very professional and easily contactable. Tom has made the process a lot less daunting and found me the best deal.''

    — Zofia

  • ''My wife and I used SHFS for our recent remortgage. Kelly was fantastic throughout the process. She went out of her way to make sure we got a good deal and she took the complexity out of the process, answering each question we had with speed and clarity.''

    -- Steve B