Your trusted partner in overcoming credit hurdles and securing a mortgage. If you've experienced adverse credit over the past few years, we understand the concerns and uncertainties you may have.
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Providing mortgage advice, we know how to make mortgages less stressful.
Specialists in helping customers with adverse/ poor credit.
No extra charges for adverse credit customers. Treated the same as standard mortgage lending.
If we can't set you up with a high street lender, we'll work to guide you back, hassle-free.
Adverse credit doesn't necessarily mean you need a specialised lender; in fact, many high street lenders are willing to work with individuals in such situations. we have fostered strong connections with a range of high street lenders who recognise the complexities of adverse credit.
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Poor credit can be a daunting and disheartening experience. Many individuals have encountered financial challenges or unforeseen circumstances that have resulted in adverse credit over the past years. Unfortunately, traditional lenders often view these credit setbacks as red flags, making it difficult for individuals to secure a mortgage and achieve their dreams. The rejection and limitations imposed by the traditional mortgage industry can leave customers feeling frustrated and overwhelmed.
At The FinanceLab Ltd, we understand the emotional toll this process can take on individuals. We believe that everyone deserves opportunity regardless of their past credit history. Our team is here to provide tailored solutions and guide you through the mortgage journey, helping you regain control of your financial future.
At The FinanceLab, we strive to make this process as easy and effortless as possible – whether it’s finding the perfect mortgage to buy a new home or simply releasing capital from an existing property without any fuss. With us at your side helping navigate through every stage. Rely on our expertise when dealing with such matters; we promise complete peace of mind all around.
We genuinely care about your future and your family's well-being. Throughout the mortgage process, we provide compassionate and transparent guidance, ensuring you feel supported and empowered to make informed decisions. We are here to listen to your concerns, answer your questions, and provide the guidance you need.
We understand that your situation is unique, and we treat you as an individual, not just a credit score. Our personalised approach allows us to tailor mortgage solutions that meet your needs and put you on the path to homeownership.
As a respected mortgage brokerage, we have established strong relationships with a wide network of lenders who specialise in adverse credit mortgages. With our connections, we can connect you with the lenders most likely to offer favourable terms, increasing your chances of securing a mortgage.
Our experienced team specialises in helping clients with a range of credit challenges, including defaults, County Court Judgements, missed mortgage payments, missed credit card payments, IVAs, and bankruptcies. We have the knowledge and resources to find solutions that address your specific circumstances.
When it comes to assisting our customers, our focus is on providing expert guidance and support that yields significant long-term savings. Unlike some mortgage advisers who charge a percentage-based fee ranging from 0.35% to 1% of the mortgage amount. With a percentage-based fee a scenario with a 0.5% fee for a £200,000 mortgage, the charge would be £1,000. For a £300,000 mortgage, the fee would amount to £1,500, and so forth.
However, we have chosen a different approach by offering a flat fee that remains consistent with our standard mortgage service. Our average mortgage fee is set at £750 (product not subject to VAT), ensuring transparency and no unexpected or hidden charges.
We believe in empowering our customers to overcome adverse credit history. Whether we connect you with a traditional lender or lenders specialising in adverse credit, our commitment is to guide you back to high street mortgage providers and better rates as soon as your credit improves.
Contact us today via phone or email, and let us help you secure a mortgage and rebuild your future.
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