BAD CREDIT MORTGAGE SPECIALIST

Refused a mortgage?
Don't worry… we've got you :)

Finding bad credit mortgages is our speciality. We can help you when the bank says no!

Unsure? Read a little more or hit the ‘Get Started’ button.

GET STARTED
5.0Excellent39 Reviews

Rated by customers on Google

Contact us to start yourmortgage dream.

Or Call 020 8080 2880

Your home may be repossessed if you do not keep up repayments on your mortgage.

Finding you a deal with trusted lenders

Bad credit doesn't mean you can't access the UK biggest lenders!

We have access to over 100 of the most trusted lenders and it's super easy to get started.

Here's what our clients say

Rated 5.0 on Google — read all our reviews

Alesya W.
Google review
★★★★★

“What a team! Every question answered within hours, every step explained before we even had to ask, and a genuinely lovely bunch of people to deal with during what could have been a very stressful few months.”

Evsey G.
Google review
★★★★★

“When our fixed rate came up for renewal we had no idea where to start, so having a mortgage loan broker walk us through every product available took so much of the stress away. We ended up with a much better deal than we expected.”

MIKEE
Google review
★★★★★

“After two bad experiences elsewhere, finding a mortgage broker who actually returns calls made all the difference.”

Aleksejs G.
Google review
★★★★★

“From our very first call, everything felt easy. Questions were answered fast, paperwork was kept to a minimum, and we completed two weeks ahead of schedule. Genuinely grateful.”

Viktor L.
Google review
★★★★★

“Very satisfied with the cooperation with Smart City. Mortgage adviser Slavomir is a true professional in his field. Always in touch and provides qualified advice. I definitely recommend Smart City. Thank you for your work.”

Specialist bad credit mortgage advisers

A poor credit file doesn't mean the door is closed. High street banks use rigid automated scoring, but specialist lenders assess your story — how old the adverse credit is, why it happened and what's changed since. We place cases every week for clients with defaults, CCJs, arrears, debt management plans, IVAs and discharged bankruptcies.

Credit issues we deal with every day

Defaults & CCJs

Many lenders ignore satisfied defaults and CCJs after a certain point. We know exactly which ones and when.

Talk to an adviser

Missed payments

Late payments on credit cards, loans or a previous mortgage don't have to stop you buying or remortgaging.

Talk to an adviser

IVAs & bankruptcy

Discharged bankruptcies and completed IVAs are placed with lenders every week. We handle the whole case for you.

Talk to an adviser

Declined elsewhere

Turned down by your bank or a comparison site? A decline isn't the end — it usually means the wrong lender.

Talk to an adviser

Enquire about a bad credit mortgage

Send us your details and a quick note about your credit situation. A specialist adviser will come back to you with the lenders most likely to say yes.

  • Soft process — your credit score is untouched
  • A real adviser, not a call centre
  • Your data is never sold to third parties

Or Call 020 8080 2880

Your home may be repossessed if you do not keep up repayments on your mortgage.

CALL NOW