Please note: this service is not provided by The Mortgage Advice Professionals. We will introduce you to a specialist lending firm we are partnered with, who will advise you and arrange the finance. MAP will stay alongside you throughout, supporting you at every stage of the process
A patchy credit file isn't the end of the conversation
Life doesn't always run to plan. A period out of work, a business that had a hard year, a relationship breakdown, an illness, a direct debit that quietly failed — any of these can leave a mark on a credit file that lasts long after the difficulty itself has passed.
High street lenders tend to make a quick judgement on that history. A specialist lender looks further: what your income and outgoings look like now, how long ago the problem happened, and whether you've been managing your commitments since.
At MAP, we don't want a past credit issue to be the reason you stop asking. Where your circumstances call for a specialist approach, we'll introduce you to specialist partners who work on impaired credit cases regularly, and we'll stay alongside you while they do.
What counts as adverse credit?
It's a broad term. It usually covers:
Late or missed payments
Late or missed payments on a mortgage, loan or credit agreement.
Defaults and arrears
Defaults and arrears recorded against existing borrowing.
County Court Judgements
County Court Judgements (CCJs) affecting your credit history.
Debt Management Plans and IVAs
Debt Management Plans and Individual Voluntary Arrangements.
Bankruptcy or repossession
Bankruptcy or repossession appearing in your financial history.
Thin or low credit score
A thin or low credit score, often through having little borrowing history at all.
The wider picture matters
Two people with the same "black mark" can get very different answers from lenders, because what matters is the size of the debt, how recently it happened, and what's changed since.
How the referral works
We keep the process straightforward and stay involved throughout.
A no-pressure first conversation
You tell us what's on your file, or what you think might be. Very little surprises us.
A look at the full picture
Income, deposit, existing commitments, the property you have in mind.
An introduction to the right specialist
We put you in touch with a partner firm whose lender panel is built for cases like yours.
We stay in the loop
You're not handed over and forgotten — we keep track of how things are progressing.
Things that can help your case
Check your credit report
Pull your credit report and check it. Errors are more common than people expect, and they can be corrected.
Keep payments on time
Keep every payment on time from today onwards. Recent conduct carries real weight.
Build the deposit where you can
A larger contribution tends to widen the options available.
Hold off on new credit applications
Avoid unnecessary new credit applications in the months before you apply.
Talk to an adviser early
A few months of preparation can sometimes change the outcome.
An honest conversation about where you stand
Get in touch for an honest, judgement-free conversation about where you stand and what your options look like.
Your credit history is only part of the picture
A past financial difficulty doesn't necessarily prevent you from discussing your mortgage options. The circumstances, timing and what has happened since can all form part of the conversation.
If your credit history has made the high street feel like a closed door, speak to MAP. We'll understand your circumstances and, where appropriate, introduce you to a specialist partner.
Get no obligation and fast advice today
When it comes to your finances there is no such thing as a stupid question.
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