TL;DR:
Specialist Lenders – Adverse Credit Mortgages
Don’t let past financial issues hold you back – Ann Evans offers expert mortgage advice with access to specialist lenders who understand real-life credit challenges.
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Access to lenders who consider CCJs, defaults and missed payments
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Personal, non-judgemental support throughout the mortgage process
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Over 35 years of experience helping clients with complex credit histories
Mortgage Advice That Sees Beyond Your Credit Score
A poor credit history doesn’t mean your homeownership dreams are over. Life happens – and sometimes that means missed payments, defaults, or County Court Judgements (CCJs). But there are still mortgage options available, and I’m here to help you find them.
I’m Ann Evans, and for over 35 years I’ve helped clients who thought they couldn’t get a mortgage due to adverse credit. I work with specialist lenders who take a more flexible, human approach to lending. They don’t just rely on credit scores – they look at the full picture.
What Is an Adverse Credit Mortgage?
An adverse credit mortgage is offered by lenders who are willing to consider applications from people with:
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Missed payments on loans, credit cards or bills
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Defaults or CCJs
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Debt management plans (DMPs) or past IVA/bankruptcy
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Low or limited credit history
These mortgages can sometimes come with slightly higher interest rates, but they are a powerful step towards rebuilding your financial future – and getting on, or back on, the property ladder.
How I Can Help
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Access to Specialist Lenders: I work with a wide panel of lenders – including many not available directly to the public – who understand the real-life stories behind credit issues.
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Tailored, Confidential Advice: No judgement. Just solutions. I take the time to understand your situation and match you with the most appropriate lender.
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Clear Guidance Every Step: I’ll explain what paperwork you need, how lenders assess risk, and what you can do to improve your chances of approval.
Even if you’ve been turned down by your bank or another broker, I may still be able to help.
Real People Deserve Real Solutions
Getting a mortgage with bad credit might seem out of reach – but you’d be surprised at the possibilities. I’ll listen to your story, help you present your application in the best light, and support you every step of the way.