Talk to the specialists forBad Credit Mortgages
Been turned down by your bank?
- Defaults
- CCJs
- Missed Payments
- Low Credit Score
- Bankruptcy History
- Insolvency or IVA
- A supportive, non-judgemental conversation
- Access to a comprehensive range of lenders
- One dedicated adviser from start to finish
Tell Us About Your Situation
Complete the short form and a member of the Smiths Financial team will contact you to discuss what may be possible.
- FCA authorised and regulated
- Excellent rating from 500+ clients
- Access to 90+ lenders
- One dedicated mortgage adviser
Credit Problems Don’t Always Tell the Whole Story
Mortgage lenders assess credit problems differently. The type of issue, when it happened, the amount involved and what has happened since can all make a difference.
Defaults
We'll consider when the default was registered, whether it has been satisfied and the amount involved.
CCJs
A previous CCJ may not automatically prevent you from obtaining a mortgage.
Missed Payments
Occasional missed payments can be viewed differently from recent or repeated arrears.
Low Credit Score
A low score with one credit-reference agency does not provide the complete picture.
Bankruptcy
Previous bankruptcy may be considered by some lenders depending on when you were discharged and your current circumstances.
IVA
Options may depend on when the arrangement ended and how your finances have been managed since.
Every case is different. The best way to understand your position is to speak with an adviser.
Specialist Support Without the Judgement
We Listen First
We take time to understand what happened, rather than judging you solely on your credit history.
Wider Lender Search
We search a comprehensive range of lenders, including those that consider more complex circumstances.
Dedicated Adviser
You'll deal with one adviser who supports you throughout the process.
Application Support
If a suitable mortgage is available, we'll help with the paperwork and manage the application.
Recommended By People We’ve Helped
Eloise Connelly
13 July 2026
When I approached Smiths Financial I wasn't at all sure I would be able to obtain a mortgage due to my situation. However, amazingly Richard made it happen.
Roo
22 July 2026
Rich Neilson was absolutely fabulous. He worked so hard to get me a new mortgage with my circumstances of self employment and I am so very grateful. Would totally recommend.
Courtney Smith
3 August 2026
10/10 and more. Can't recommend Richard enough, without him I'd have 100% not secured the house I wanted & my mortgage offer. Absolutely worth his weight in gold.
Three Simple Steps
- 1
Tell Us What Happened
Complete the short form or call us for an initial, no-obligation conversation.
- 2
Understand Your Options
Your adviser will review your circumstances and research potentially suitable lenders.
- 3
Apply With Support
If a suitable option is available and you decide to proceed, we'll manage the application and paperwork.
Tell Us About Your Situation
Complete the short form and a member of the Smiths Financial team will contact you to discuss what may be possible.
Experienced, Award-Winning Mortgage Advice
Your Credit History Doesn’t Have to End the Conversation.
Speak to Smiths Financial about your circumstances and find out what options may be available.