When the bank says no, let us bridge the gap to your mortgage

We Make Mortgages Simple


Bad Credit Mortgages – Because life happens

We are here to help people who may struggle to borrow money from their banks to finance one of the biggest purchases of their lives.

It can be as simple as receiving a CCJ from a parking ticket, a default from missed mobile phone payments, a messy break-up which left you with bad credit, a financial difficulty which led you to get into a Debt Management Plan, an IVA or even bankruptcy.

You may be self-employed, have a complex income or your bank said no. Whatever your situation, however complicated, come and speak to us. 

The Mortgage Bridge Process

We’re here because sometimes life happens and you need someone to listen and understand your needs and circumstances. Our Mortgage Companions specialise in helping people with complex situations.


Tell us about your personal situation through our simple enquiry form.



We will match you with a specialist mortgage companion who will search the whole market to find the perfect solution for your personal needs.



Your mortgage companion and his team will help you cross the over the bridge to completion to your new home

See what our customers think

Can't recommend Garry Smith enough!!

He talked us through every step of the application and was always there for advice. We believed we wouldn’t be accepted for a mortgage because of adverse credit.

Thank you Garry for your hard work and we will never ever use anyone else now.

Fantastic help with mortgages with bad credit

Our advisor Dale was fantastic. Due to bad credit history we were told by other brokers that we couldn’t get a mortgage without a 15% deposit which wasn’t possible for us or we’d have to wait years to start our search. Dale found us a lender at the best possible rate for us and was always professional and helpful.

Richard Morgan top class service and goes the extra mile to deliver!

Because of my bad credit history finding the right mortgage was difficult but Richard came through, delivered and helped me buy my dream home and I can never thank him enough!

My hero Kaz has gone and done it.

 Mortgage offered. Truly cannot thank Kaz and his team enough for helping us get on the market at last.

Honestly you all need to go to this brilliant guy as he really is a life changer. Thank you Kaz! You are the best!

Meet your Mortgage Companions