Credit Problems

Can I Find a Mortgage If I Have Bad Credit?

At Will Assist Mortgages, we understand that life can present ﬁnancial hurdles like diﬃculty ﬁnding a mortgage - especially if you’ve had credit problems in the past.

We are dedicated to ensuring that your 'less-than-perfect' credit score shouldn't hinder your path to securing a mortgage. Our experienced, professional mortgage broker services offer specialised solutions, tailored to suit your unique circumstances.

What are ‘Bad Credit Mortgages’?

A 'Bad Credit Mortgage' is a lending solution designed for individuals with credit scores falling below conventional lending standards. If you've faced credit issues such as late payments, defaults, or bankruptcies, you may have found it challenging to secure a traditional mortgage.

Here are some of the circumstances that may lead to diﬃculty obtaining a mortgage:

Impaired Credit

County Court Judgements

Defaults

Mortgage or Rent Arrears

Property Repossession

Bankruptcy / IVAs

Been Refused Elsewhere

Debt Management Plans

If any of these circumstances apply to you, then we may be able to help. We will even take care of all the mortgage paperwork for you, so you don′t need to worry about a thing.

Our Expertise & Commitment

We are committed to helping you secure your mortgage, regardless of your credit history. Using our wide range of expertise, we provide:

Tailored Solutions

We understand that each client's situation is unique. Our team will work closely with you to assess your ﬁnancial proﬁle and offer bespoke mortgage solutions.

Credit Score Guidance

Our experts will provide guidance on improving your credit score, helping you take steps toward ﬁnancial stability.

Transparent Advice

Throughout the process, we provide transparent advice, ensuring you fully understand your options and the implications of your choices.

Access to Multiple Lenders

We have established relationships with a network of lenders who specialise in ‘Bad Credit Mortgages’. Our access to these lenders allows us to ﬁnd the best mortgage terms and rates for your speciﬁc needs.

Years of Experience at Navigating the Market

With over 15 years of experience, we are here to provide you with unbiased, professional advice. We provide guidance on credit and offer clear recommendations, ensuring you make informed decisions. Our wealth of experience helps us navigate the market for you, offering you personalised mortgage solutions.

How Does The Repayment Rate Work?

The actual rate available will depend upon your circumstances. All rates, fees and other costs would be fully detailed in a personalised illustration which is provided once we have a full picture of your individual situation.

A mortgage may not be available in all cases.

Our team is here to guide you every step of the way, from analysing your credit report to ﬁnding the perfect mortgage solution tailored to your unique circumstances.

We are fully committed to guiding you towards a brighter ﬁnancial future, so get in touch with us today to arrange a consultation and initiate the path to securing your mortgage.

Get In Touch

Leeds Office

Suite 1, Devonshire House, Devonshire Ave, Roundhay, Leeds LS8 1AY

0113 320 0720

York Office

The York Eco Business Centre, Amy Johnson Way, York YO30 4AG

01904 500502

What our customers say

Sarah Batters

Very happy with the service we received from Malcolm and Julie at Will Assist Mortgages. They provided great, easy to understand advice, and were quick to respond. They processed the application and liaised with the lender for us taking a lot of the stress out of the mortgage application process, a big relief as first time buyers! Would recommend them!

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Tori Johnson

Have used Malcolm and Julie for the last few years and can’t fault the service I received - Malcolm was even busy beavering away on my new mortgage whilst I was enjoying a holiday in Thailand! Extremely efficient and make the whole process (which can be quite daunting!) very easy to navigate. I have no hesitation in recommending their service.

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David Arthur

Brilliant to deal with and really looked after us buying our first house, couldn't ask for better service. We didn't know where to start when applying for mortgages by Malcolm took all the stress out of it and found the right deal to suit our finances. Really impressed with how quickly he was able to get a mortgage in place as well! Would happily recommend Will Assist to any friend looking to buy a house. Thanks!!

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Fiona Arthur

Fantastic service - so helpful and informative. With the help of Malcolm and Julie we were able to get an agreement in principle very quick, and are just about to move into our first home. Highly recommend.

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Linda Firth

We needed a mortgage to be arranged in a hurry and Malcolm very quickly made the necessary arrangements for us. We can not thank him enough for the professional and efficient service he provided and would not hesitate to recommend him to anyone else.

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Kellie Au

Used Will Assist Mortgages twice now, Malcolm and Julie make the process smooth and stress free which is great when you're short of time and don't know what you're doing! Great communication, answered any questions we had promptly and gave great sound advice. Would highly recommend

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Kev Neale

Malcom and Julie of Will Assist Mortgages have been fantastic throughout our remortgage journey. From Malcolm's initial consultation, sourcing the mortgage that best suited our needs and then his and Julie's A1 communication service from start to finish. We would highly recommend their services and won't hesitate to contact them again.

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Sally McCarrick

Our mortgage broker Malcolm was excellent!! Made the process so easy to understand and it ran smoothly from start to finish. Malcolm was always on hand to offer advice and information. Would highly recommend the company and would definitely use them again.

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Keith

I found the company on the internet. Communication was excellent, keeping me fully updated with the proceedings. Malcolm was friendly and he made it plain and easy to understand my mortgage options. I would use Malcolm again and recommend his services..

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Elaine

Thanks to Julie and Malcolm for all their efforts securing our mortgage ! We eventually found the right house after two years of looking - wonderful communication kept the estate agent happy , couldn’t be happier to recommend them.

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Harrison

Very Good! They keep you informed the whole time and make it easy for working professionals to get all the relevant documentation together without having to go into an office. Would use them again and recommend them to anyone.

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Helen

Second time we have used Malcolm and Julie at Will Assist. Can't thank them enough for their professional yet caring and understanding way they helped us firstly two years ago when we were in an awkward situation and again when re-mortgaging to get another great deal. Always feel as if in safe hands with Malcolm. Would highly recommend their services.

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Scott

Excellent service, nothing was too much trouble, constant communication and very professional but with a friendly touch would highly recommend.

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Samuel

Impeccable service, second time I used Malcom and Julie to remortgage my property, this time it took less than 2 weeks to get an offer. My credit rating is not the best but they managed to get it with one of the high street bank on s very very good rate. Please dont even think twice, just get in touch and they will sort you out. Brilliant service.

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Craig

A big thank you to both Malcolm & Julie. A less stressful process of using a mortgage advisor than trying to find a mortgage yourself.

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Ben

Both Julie & Malcolm have looked after the process for us from the beginning. They have both been clear and concise with everything they have told us and have always answered any of our questions.

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Available 24 Hours a Day - 7 Days a Week

Free Consultation

0113 320 0720

If you have had problems with credit..

Can I Find a Mortgage If I Have Bad Credit?

Have a Question in Mind?

Our Expertise & Commitment

Tailored Solutions

Credit Score Guidance

Transparent Advice

Access to Multiple Lenders

Years of Experience at Navigating the Market

How Does The Repayment Rate Work?

Our Services

First Time Buyer

Remortgaging

Buy to Let

Conveyancing

Available 24 hours a day - 7 days a week

Call Back Request

free telephone consultation

Leeds Office

York Office

What our customers say