Bad Credit?
We Say Yes When Others Don't
CCJs, defaults, IVA, bankruptcy, missed payments — your past doesn't define your future. We have specialist lenders waiting to help.
Exclusive access to specialist adverse credit lenders
Whatever Your Credit Issue, We Can Help
Click on your situation below to learn more about your options. No credit issue is too complex for our specialist team.
CCJ (County Court Judgement)
A CCJ on your credit file doesn't mean mortgage rejection. We work with lenders who consider satisfied CCJs, with options improving as time passes since satisfaction.
Defaults
Defaults on credit accounts don't have to stop your mortgage dreams. Many specialist lenders will consider applications with defaults, depending on age and value.
IVA (Individual Voluntary Arrangement)
Whether you're currently in an IVA or it's been discharged, we can help. Some lenders will even consider applications while an IVA is still active.
Bankruptcy
Discharged bankruptcy doesn't mean the end of homeownership. We have lenders who will consider you from 1 day after discharge, with more options as time passes.
Late Payments
Missed payments on your credit file? This is one of the most common credit issues and many lenders are understanding, especially if they weren't recent.
Low Credit Score
A low credit score often has straightforward solutions. We can advise on quick wins to improve your score and find lenders suited to your current situation.
Debt Management Plan (DMP)
Currently on a DMP or recently completed one? We have lenders who specialise in helping people who've taken responsible steps to manage their debt.
Repossession
A previous repossession can be overcome. We work with specialist lenders who understand circumstances change and give second chances.
Adverse Credit is Our Speciality
Not all mortgage brokers are created equal. Here's why clients with credit issues trust Apply Wise.
We Actually Specialise in Bad Credit
Unlike generalist brokers who might dabble in adverse credit, this is our bread and butter. Our advisers handle complex cases daily and know exactly which lenders to approach.
We Don't Judge Your Past
Life happens. Divorce, redundancy, illness, business failure - we've heard it all and we're here to help, not judge. Every situation has a solution.
Exclusive Lender Relationships
We've built relationships with specialist lenders through years of experience. Some will only work with us because they trust our case preparation and client vetting.
We Prepare Your Application Properly
Bad credit cases need careful packaging. We present your case in the best light, addressing concerns upfront and providing comprehensive supporting documentation.
Honest Assessment Upfront
We won't waste your time. In your first call, we'll tell you honestly whether we can help and what your realistic options are. No false promises.
Dedicated Case Manager
You'll have one point of contact throughout - someone who knows your case inside out and fights your corner with lenders.
How It Works
Getting a mortgage with bad credit doesn't have to be complicated. Here's our simple process.
Free Credit Review
We'll review your credit report and assess your situation with no judgement. Takes 10 minutes.
Options Explained
We'll explain exactly what's possible, which lenders suit you, and what rates to expect.
Application Prepared
We package your application professionally, addressing any concerns lenders might have.
Mortgage Secured
We handle everything through to completion, keeping you updated every step of the way.
Success Stories
Real clients who got mortgages when others said no
"After being declined by 3 brokers, Apply Wise got me approved within 2 weeks. I had a CCJ and an old default but they knew exactly which lender to approach. Can't recommend them enough."
Mark T.
Birmingham
"I was upfront about my bankruptcy from the start. Rather than turning me away, they explained my options clearly and found me a mortgage at a rate I was happy with. True professionals."
Sarah J.
Manchester
"My credit was a mess after my divorce. Apply Wise didn't judge, just got on with finding a solution. 6 months later I'm in my new home. They changed my life."
James & Claire R.
Leeds
"Had an IVA that finished 2 years ago. Banks wouldn't touch me. Apply Wise found a specialist lender and I got approved for more than I expected. Brilliant service."
Mohammed K.
London
Bad Credit Mortgage FAQs
Answers to common questions about getting a mortgage with credit issues