Head to our Contact page to contact us directly or to our Broker Finder to find your local advisor and start your moving journey.
Because Everyone Deserves the Chance to Own a Home
At Just Mortgages, we understand that life can bring unexpected financial challenges, and that your credit history shouldn’t define your future. That’s why we’ve launched our dedicated Credit Solutions Team, a specialist group of mortgage advisers focused on helping clients with adverse credit find realistic and affordable mortgage options.
Our mission is simple: to help more people achieve their dream of homeownership, no matter their credit background.
What Is an Adverse Credit Mortgage?
An adverse credit mortgage (also known as a bad credit mortgage) is designed for individuals who have faced financial difficulties such as missed payments, defaults, CCJs, IVAs, or even bankruptcy.
Unlike many traditional high street lenders, specialist lenders look at your current financial stability and repayment ability rather than focusing solely on your credit score.
Through our Credit Solutions Team, we work closely with these specialist lenders to match you with the most suitable products for your circumstances, helping you take that important step towards owning your home.
How We Support Clients with Adverse Credit
Our team is trained to deliver compassionate, professional guidance to clients who may have been refused elsewhere.
We combine human understanding with smart technology to achieve the best outcomes. Using Experian data through Smartr, our advisers can assess your credit file efficiently and identify lenders most likely to approve your application, saving you time, stress, and uncertainty.
Whether you’ve experienced arrears, CCJs, defaults, or repossession, our advisers are here to guide you every step of the way.
Common Credit Challenges We Can Help With
- Late or missed payments
- County Court Judgements (CCJs)
- Defaults or arrears
- Debt Management Plans (DMPs) or IVAs
- Bankruptcy or repossession
- Low or inconsistent credit scores
Whatever your situation, we’ll explore every possible route to help you secure a mortgage that fits your goals.
How the Credit Solutions Team Works
- Review your credit file and finances using Experian data via Smartr
- Explain your mortgage options clearly and without jargon
- Recommend suitable lenders from our specialist panel
- Manage your mortgage application from start to finish
- Support you throughout the process with ongoing advice
We aim to make your mortgage journey as smooth, transparent, and stress-free as possible.
Tips to Improve Your Mortgage Chances
- Check your credit report and correct any errors
- Keep up to date with all repayments
- Save for a larger deposit if possible
- Avoid taking on new loans before applying
- Seek advice early from a specialist mortgage adviser
Our advisers can help you build a plan to improve your profile and secure the right mortgage deal for your needs.
Why Choose Just Mortgages
When you choose Just Mortgages, you’re choosing a team that genuinely cares about helping you rebuild and move forward.
- Access to a wide range of specialist lenders
- Expert advisers with experience in complex credit cases
- Friendly, judgement-free support
- Efficient credit analysis using Experian via Smartr
- A proven record of helping clients buy with confidence
Our Credit Solutions Team is here to provide understanding, compassion, and expertise every step of the way.
Start Your Journey Today
If you’ve been turned down before, it’s time to try again with the right support.
Contact Just Mortgages’ Credit Solutions Team today for a free, no-obligation chat with one of our advisers. Let us help you find a mortgage that fits your circumstances and your dreams.