If life has knocked your finances off course and your credit score isn’t where you want it to be, you’re not alone — and it doesn’t mean your homeownership plans are over.

Maybe it was a missed car payment, a late credit card bill, or something as simple as a bill sent to an old address. Or perhaps illness, injury, redundancy, or the knock-on effects of COVID-19 (furlough, payment holidays, reduced work) left a mark on your credit file. We’re also familiar with more serious issues like CCJs and bankruptcy, and we’ve arranged mortgages around these “black spots” before.

The bottom line: a poor credit record doesn’t have to put your goals out of reach. Our brokers are here to find a realistic solution that works for you.

Let’s talk through your options — no judgement, just help:
👉 Call NetRent on 01352 721300
👉 Email mortgages@netrent.co.uk
👉 Or complete the form below and we’ll be in touch.

Why do I need a specialist poor credit mortgage broker?

Bad credit mortgages aren’t one-size-fits-all — and not every lender assesses credit issues in the same way. That’s why using a specialist broker can make a real difference.

We have access to lenders who consider adverse credit applications, and once we understand your situation we’ll search for a mortgage that fits your needs and circumstances. We know this can feel stressful, so we handle the process with care — keeping it clear, calm, and moving forward.

You’ll have:

• Your own broker to source the most suitable deal

• A dedicated case manager to manage your application and answer questions

• Regular updates and plain-English explanations, so nothing feels confusing

With the right approach, it’s often possible to secure the funding you need — whatever’s happened in the past.

Want to know where you stand?
👉 Speak to a specialist broker today on 01352 721300.

Access poor credit mortgage lenders, with our help

Stepping onto the property ladder with poor credit is possible — and we’ve supported many clients who’ve had bumps in their financial history.

Depending on your circumstances, you may need to:

• Put down a larger deposit

• Provide a bit more detail about what happened and what’s changed

• Consider a different range of lenders and interest rates

But that doesn’t mean you can’t get a mortgage you can afford. We’ll guide you through what lenders typically ask for — including explanations of how the credit issue happened and evidence that things have been stable since.

We can also share practical pointers to help you improve your credit profile, with the aim of strengthening your options (and potentially your rate) in the years ahead.

Take the first step towards a mortgage that works for you:
👉 Call 01352 721300
👉 Email mortgages@netrent.co.uk
👉 Or fill in the form below to get started.