✓ Whole of Market Access ✓ Jargon-free Financial Advice ✓ Access to Specialist Lenders
✓ 5-star Rated Mortgage Broker ✓ Evening & Weekend Appointments
As an expert bad credit mortgage broker and financial advisor, we can advise on how to get your score back on track. We can also turn to our pool of specialist mortgage lenders that offer more flexible lending criteria, opening the market to more people.
As Whole of Market brokers, our advice and mortgage product suggestions are made with your best interests at heart. We bring clarity to the mortgage market and take you straight to the right lenders and deals. By getting to know your goals and circumstances, we can review the most suitable options and find the best solution.
Can I Get A Mortgage With Bad Credit?
It will be more difficult to get a regular mortgage if you have a poor credit score. That’s because lenders may deem you as more of a risk. That being said, it’s not impossible. Every lender is different and will have varying ideas of what would be a red flag.
Being turned down by a lender can be visible on your credit score. That’s why it’s highly recommended you get advice from a reputable bad credit mortgage broker before applying. And remember, your credit score isn’t fixed. With the right advice, you can improve your prospects.
Common factors that can negatively affect your credit score include:
✓ No credit history ✓ Poor credit score ✓ Late payments ✓ Mortgage arrears ✓ Defaults ✓ CCJs ✓ IVAs ✓ Bankruptcy ✓ Repossessions ✓ Payday Loans ✓ Debt management plans
Our specialist bad credit mortgage broker team can discuss and work with all of the above.
Whole of Market Access
Take a look below at some of the lenders we deal with. Remember, we are Whole of Market mortgage advisors. No restrictions, just full access to all the exclusive deals you won’t be able to find yourself.
How Do I Get A Mortgage With Bad Credit?
Talk to our specialists
During your free initial consultation, our bad credit mortgage broker team will get to know your circumstances and bring clarity to your options. Whether you prefer face-to-face or remote appointments, we work with your preferences.
Know your options
With a bad credit score, your options will be more limited. However, one of our specialist advisors can review your current and historic financial history to determine your options.
Boost your score
We’ll perform a thorough and compassionate review of your financial circumstances. This helps us pinpoint areas for improvement and provide actionable advice to give your score a boost as well as identifying where you could save or bring in more money.
Browse the market
Your dedicated adverse credit mortgage broker will browse the market to find the right deal for you. We’ll discuss the available loans and explain how they might be different from a regular mortgage.
Time to apply
We’ll take care of the paperwork and negotiate with your conveyancer and estate agent. As soon as your mortgage offer has been accepted, we’ll give you a call.
Schedule a review
We can also offer a mortgage review service to see if there’s a more suitable option. You can always switch to a more affordable deal if your credit score has improved.
What Our Customers Think
Timothy Lawrie2024-04-18I cannot praise Agentis highly enough. Service above and beyond, all done with understanding and friendly know how. AmazingAsher2024-04-18We have just received a mortgage offer on our first property & had the pleasure of Ash Hinds being our mortgage advisor. Ash was very helpful throughout the whole process & was never too busy to answer a query or concern, going over and beyond. As first time buyers we did need a lot of stuff explained to us & Ash was more then happy to do that & make sure we understood the pros & cons of different options. I would definitely recommend Ash to anyone who needs a Mortgage Advisor 5 star service!Sarah Worsley2024-04-17Ash is a fantastic broker, who empathised with my unique situation and was very supportive and encouraging. He secured a very good deal for us, and was always there to answer questions. I would highly recommend him!Agne Rusalovskytė2024-04-15Adam was very helpful as always.Jonathan Knox2024-04-15I recently had the pleasure of working with Josh at Agentis for my remortagage, and I couldn't be more impressed with the service I received. From start to finish, the entire process was smooth, efficient, and incredibly quick. Josh's expertise and professionalism were evident from our very first interaction. He took the time to understand my financial situation and goals, providing personalized guidance every step of the way. His knowledge of the mortgage industry ensured that I got the best possible deal tailored to my needs. What truly stood out to me was the speed at which Josh worked. Despite the complexities involved in securing a mortgage, he made the process seem effortless. Communication was prompt and clear, and I always felt informed and supported throughout. If you're looking for a mortgage broker who is efficient, knowledgeable, and committed to providing exceptional service, look no further than Josh at Agentis. You won't be disappointed. Thank-you.Bob Green2024-04-08Lee was great to work with, always keeping us updated and available whenever we needed. Lee often provided updates before our solicitors and estate agents. He was very knowledgeable and helped explain all steps of the process. I would 100% recommend both Lee and Agentis.Johnsy Raju2024-04-06Caren arranged our first mortgage, and she was fantastic with us! She demystified the entire house buying process for us, which can be a minefield. Caren helped us know how much we could spend on a home and how much of a mortgage we could afford, and achieve. She was able to give us a step-by-step plan, which really helped ease our anxiety. Caren also looked through home reports of homes we were looking into, to let us know of any issues that we might run into - this is very helpful, as the language can be impenetrable! We would recommend anyone looking to buy a home contacting Caren first. Thank you soomuch Caren @agentis for the wonderful help.Nesta2024-04-03We had Adam Long as our mortgage broker. He was amazing from start to finish throughout the entire process. Very good at explaining the whole process, very knowledgeable and professional. We couldn’t recommend a better mortgage advisor! Thanks Adam!Adrian Woolley2024-04-03Caren was informative, contactable and managed to get a mortgage when I feared I couldn’t. Thank you.Jodie Tyers2024-03-27Anton Sgroni was absolutely amazing at sorting out our remortgage. Any problems he sorted out straight away and was able to keep us updated along the way. This is the third time we have used Agentis and we can not fault them! Always a great service and lots of helpful advice and information is provided to get the best deal
Meet The Team
Established in 2014 by Christine Long and David Mortell, Agentis offers expert industry knowledge alongside the personal touch of a family-run business. Now with a growing team of mortgage brokers in Peterborough, they have the very best mortgage and protection experts on board to help individuals, couples and families turn their dream of owning a home into a reality.
Agentis is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Frequently Asked Questions
Can I get a mortgage with a poor credit score?
Yes, you can get a mortgage with a poor credit score. There are specialist mortgage lenders who work with more flexible lending criteria. As a specialist bad credit mortgage broker and financial advisor, we can help you get your score back on track and find a specialist lender.
Can I get a mortgage with a credit score of 300?
Yes. Contrary to what many homebuyers think, there is no minimum credit score to be accepted onto a mortgage. While this is part of the criteria, lenders look at other factors. Your income, assets, savings and credit rating of any mortgage partner will also be taken into account. If your score is low and you have been struggling to get approval for a mortgage, speak to the team at Agentis.
Do bad credit mortgages come with higher interest rates?
Yes, often a specialist lender will charge a higher interest rate when providing a loan to homebuyers with bad credit. There may also be a higher deposit to pay. Our bad credit mortgage broker team will help you budget, and provide the best advice to help turn your credit score around.
Can a mortgage broker help?
Yes – a specialist mortgage broker will have access to lenders with more flexible lending criteria. They can also advise on how to improve your credit score. Their knowledge, expertise and contacts will help make getting a mortgage with bad credit more manageable.
How do I find out if I have adverse credit?
You can access your credit score and report for free by logging onto the Experian website.
What documentation will I need to provide?
- Details of you and a mortgage partner’s income
- How much deposit and savings you have
- Details of all your expenditure
- Credit report
Expert Mortgage Guides
Understanding your mortgage options can be difficult, especially when you have adverse credit. By reading our expert guides, we hope that you can feel confident about your options and reach out to the specialist bad credit mortgage brokers to get you back on track.
Property News
Discover the latest property news in and around Peterborough. We keep an eye on the latest property developments, property prices and news that impacts the local community. If you’re looking to move to the area or have been living here for years, read up on the latest property news written by our mortgage experts.
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