Because Everyone Deserves the Chance to Own a Home
Just Mortgages has recognised the growing need for support among individuals and families who have experienced credit difficulties. We understand that financial challenges can happen to anyone, and that these challenges should not stand in the way of owning a home.
That is why we are proud to announce the launch of our brand-new Adverse Credit Solutions Team, a group of dedicated mortgage specialists trained to help people with adverse credit find the right mortgage solution.
Our team members are not only experts in complex credit cases but are also trained to understand the unique needs and challenges faced by their clients. They receive specialist training in empathy, patience, and communication to ensure they can effectively support those who may be vulnerable or overcoming difficult circumstances.
At Just Mortgages, we believe everyone deserves a fair chance to achieve their dream of homeownership, and this new service is designed to make that possible.
What Is an Adverse Credit Mortgage?
An adverse credit mortgage (sometimes called a bad credit mortgage) is designed for people who have faced financial setbacks in the past, such as missed payments, defaults, CCJs, or even bankruptcy.
Unlike traditional lenders, specialist lenders look beyond your credit score and focus on your current affordability, financial stability, and ability to make repayments.
Our Adverse Credit Solutions Team works closely with these lenders to identify realistic, affordable options that fit your individual circumstances. Whether you have been in a Debt Management Plan (DMP), had low credit scores, or other credit issues, there may still be a lender ready to say “yes”.
Why We Launched This Service
At Just Mortgages, we have seen how many hardworking, deserving people are turned away from high street lenders because of past credit issues. We created our Adverse Credit Mortgage Service to change that narrative by providing expert advice, understanding, and access to lenders who are open to seeing the bigger picture.
Our clients benefit from:
- A wide panel of specialist lenders
- Tailored mortgage advice for complex credit situations
- End-to-end support, from application to completion
We do not believe in judgement, only in helping you move forward with confidence and compassion.
Common Credit Challenges We Can Help With
Our Credit Solutions Team specialises in supporting clients who have experienced:
- 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
No matter what your financial history looks like, our advisers will explore every possible route to help you secure your mortgage.
How the Credit Solutions Team Works
Our dedicated advisers will:
- Review your credit file and financial situation in detail
- Explain your options clearly and honestly
- Recommend suitable lenders from our specialist panel
- Manage your application from start to finish
- Provide continued support at every stage
We aim to make the process as stress-free and transparent as possible, keeping you informed and supported from the very first conversation through to completion.
Tips to Improve Your Chances of Success
Even with a poor credit history, small positive steps can make a big difference. To help strengthen your mortgage application:
- Review your credit report and correct any errors
- Keep up to date with current repayments
- Save for a larger deposit if possible
- Avoid taking on new credit before applying
- Seek advice from a specialist mortgage adviser early
Our team will guide you through every step, helping you prepare and position your application for success.
Why Choose Just Mortgages
When you work with Just Mortgages, you are not just getting a mortgage adviser, you are getting a dedicated partner who understands your journey.
Here is what makes us different:
- Access to a broad range of specialist lenders
- Expert advisers experienced in complex credit cases
- A compassionate, judgement-free approach
- A proven track record of helping clients with adverse credit secure home loans
We are here to provide second chances and to help you build a stronger financial future.
Start Your Journey Today
If you have been turned down before, it is time to try again with the right support. Our Credit Solutions Team are here to give you hope, clarity, and the confidence to take that next step toward homeownership.
Contact Just Mortgages today for a free, no-obligation chat with one of our friendly advisers. Take the first step towards owning your home, no matter what your credit history looks like.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style
of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 2/12/2025