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 Mortgage challenges illustration

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

Mortgage challenges illustration
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
Book a free chat

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.

Quick review Adverse-credit friendly SSL encrypted
Your information is confidential and secure

Complete the form below

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.

  • Works well for complex income and credit blips
  • Secure form that you can complete on your phone
  • No obligation chat about what you are looking to do
Start your enquiry

No credit check for an initial review and your details are kept confidential.

🏠

First-Time Buyers

Friendly support and introductions to brokers who can provide quick decisions in principle.

Specialist
💳

Bad Credit Mortgages

Support for CCJs, defaults, DMPs and missed payments, with introductions to suitable brokers.

Rate Saver
🔁

Remortgaging

Introductions to brokers who can help with switching rates, releasing equity or consolidating borrowing.

Investor
🏘️

Buy-to-Let

Introductions to brokers offering personal and Ltd Co options, with rental affordability assessed by lenders.

Protection
🛡️

Protection Insurance

Support in exploring cover designed to safeguard your mortgage and income.

Why people choose Mortgage Bridge

🏛️

Introductions to whole-of-market brokers

We connect you with FCA-regulated brokers who search mainstream and specialist lenders.

Adverse-friendly support

CCJs, defaults, DMPs and complex income welcomed so you're introduced to the right specialist help.

Fast decisions in principle

In many cases the broker we introduce you to can provide a decision in principle the same day.

5★ client reviews

Friendly, straight-talking support from enquiry through to completion.

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First-Time Buyer: Mortgage Documents You Need to Apply

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Mortgage Valuation: First-Time Buyers Need to Know

Strengthen Adverse Credit Mortgage Application – What Lenders Look For
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Strengthen Adverse Credit Mortgage Application – What Lenders Look For

Mortgage After Car Finance Declined – What Lenders Look At
Bad Credit Mortgage Guides

Mortgage After Car Finance Declined – What Lenders Look At

Returned Direct Debits Mortgage Lenders Look At – How Long They Stay Visible
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Returned Direct Debits Mortgage Lenders Look At – How Long They Stay Visible

Mortgage with Multiple Short-Term Loans – What Lenders Consider
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Mortgage with Multiple Short-Term Loans – What Lenders Consider

Mortgage After Defaulting on Rent – What Lenders Consider
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Mortgage After Defaulting on Rent – What Lenders Consider

How Long You Should Wait After Clearing Debts Before Applying For A Mortgage
Bad Credit Mortgage Guides

How Long You Should Wait After Clearing Debts Before Applying For A Mortgage

Mortgage with Old CIFAS Marker Removed – What Lenders Consider
Bad Credit Mortgage Guides

Mortgage with Old CIFAS Marker Removed – What Lenders Consider

Missed Payments Buy Now Pay Later Mortgage Impact Explained
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Missed Payments Buy Now Pay Later Mortgage Impact Explained

When Speaking to a Mortgage Broker Helps
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When Speaking to a Mortgage Broker Helps

What Happens on a First Mortgage Call
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What Happens on a First Mortgage Call

What to Check Before Speaking to a Mortgage Broker
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What to Check Before Speaking to a Mortgage Broker

What a Mortgage Broker Sees That You Don’t
Mortgage Tips

What a Mortgage Broker Sees That You Don’t

How Early Mortgage Advice Prevents Problems Later
Mortgage Tips

How Early Mortgage Advice Prevents Problems Later

What to Expect From an Initial Mortgage Conversation
Mortgage Tips

What to Expect From an Initial Mortgage Conversation

How Mortgage Brokers Assess Readiness Before You Apply
Mortgage Tips

How Mortgage Brokers Assess Readiness Before You Apply

What Information Mortgage Brokers Look at First
Mortgage Tips

What Information Mortgage Brokers Look at First

Why Speaking Early Isn’t a Commitment When Discussing a Mortgage
Mortgage Tips

Why Speaking Early Isn’t a Commitment When Discussing a Mortgage

What Brokers Do Behind the Scenes During a Mortgage Application
Mortgage Tips

What Brokers Do Behind the Scenes During a Mortgage Application

Important information: Mortgage Bridge provides information only and acts as a mortgage introducer. We do not provide mortgage advice or make lender recommendations. We can introduce you to an FCA-regulated mortgage adviser who can provide personalised mortgage advice.