When the bank says no, we
help you find a way forward

Specialists in complex cases and adverse credit. See how we turn common issues into solutions.

We help with bad credit, low deposits, missed payments, defaults and CCJs, and self-employed income.

Get Started

Tip: tap a card to flip between the issue and the way we approach it.

Common

⏰

Missed Payments

Late or missed payments on credit cards, loans, or other commitments.

Common

🧩

Stabilise & Explain

Present the reasons behind issues, demonstrate financial stability, and work with lenders who may overlook older marks.

Adverse

⚠️

Defaults / CCJs

Defaults or County Court Judgments showing on your credit report, whether recent or settled.

Adverse

🛠️

Adverse-Friendly Route

Work with specialist lenders who don’t rely heavily on credit scores, clear what’s required, and move back towards mainstream options.

Popular

📊

Self-Employed

Income from self-employment, dividends, contracts, or multiple income streams.

Popular

📈

Accountant-Backed Case

Present a clear, accountant-supported income picture to match with lenders who understand complex self-employed profiles.

Route

🏠

Low Deposit

Smaller deposit available, starting from just 2.5%.

Route

🧭

Maximise LTV Options

Make use of schemes, gifted deposits, or lenders with higher loan-to-value options to boost approval chances.

Pathway

📄

IVA / Bankruptcy

Insolvency, such as IVA or bankruptcy, recorded on your credit history.

Pathway

🛤️

Specialist Pathway

Start with lenders who accept historic credit events, rebuild over time, then remortgage onto lower rates.

Mortgage Bridge icons showing credit, savings and property

Because life doesn’t always go to plan

We support people who find it difficult to get a mortgage through their bank, whether that’s due to past credit issues or complex income, by introducing them to FCA-regulated mortgage brokers.

Missed payments Defaults / CCJs Self-employed or contractors Low deposits DMP / IVA / bankruptcy Declined elsewhere

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The Mortgage Bridge Process

Life is not always straightforward, and neither are mortgage decisions. When circumstances are complex, it helps to have someone who will listen, understand, and connect you with the right support. We introduce you to FCA-regulated mortgage brokers experienced in helping people with challenges such as bad credit or low credit scores.

1

Share Your Situation

Complete our quick enquiry form to tell us about your circumstances.

2

Speak to a Specialist

We will match you with an FCA-regulated mortgage broker who will review your circumstances and explore suitable options, including those for bad credit and other challenging situations.

3

Secure Your Mortgage

Your broker and our team will support you from start to finish, guiding you through the process even if you have had credit issues in the past.

Secure online form

Mortgage enquiry

Share a few details and we’ll review your options. Suitable for complex income and past credit blips.

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Your information is confidential and secure

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QUICK ONLINE ENQUIRY

Ready to see what could work for you? Start here

Use our secure online form to share a few details about the property, your income and any past credit issues. One of the Mortgage Bridge team will review your options and get in touch.