Been refused a mortgage because of bad credit?
We specialise in helping Greater Manchester residents in Leigh, Bolton, Wigan and surrounding areas get mortgages despite CCJs, defaults, IVAs and adverse credit. The first chat is free, and you'll get a straight answer.
How we help you get approved
Bad credit mortgages
CCJs, defaults, arrears, IVAs, bankruptcy — we find lenders who say yes when banks say no. Learn more →
Secured loans
Need £5k–£100k? Use your property equity to access loans despite bad credit. Learn more →
Bad credit remortgages
Switch deals or release equity even if your credit's suffered since you bought. Learn more →
Also helping with self-employed mortgages and debt consolidation. Got a CCJ or default specifically? Read our specialist CCJ & default guide.
Your journey to mortgage approval
Free consultation
Tell us about your situation — no judgment, just honest advice.
Lender matching
We find lenders who specialise in your exact credit situation.
Application support
We prepare everything and submit to the right lender first time.
Get approved
We manage the process through to completion.
Why use a local specialist broker?
One person, the whole way
You speak to Chris on the first call and every call. Not a different person each time.
Whole-of-market access
60+ lenders including specialists you can't access directly as a consumer.
FCA regulated
Authorised and regulated through Oak Mortgages Ltd (FRN 1026569). Your protection.
Plain English
If a lender's policy is daft, we'll tell you. If your situation's workable, we'll tell you straight.
Ready to get your mortgage approved?
Call now for a free consultation — no pressure, no judgement, just honest advice about your options.
Call Chris on 07359 911 696