Specialist Bad Credit Mortgage Broker – Tailored Solutions for You

Are you struggling to secure a mortgage because of bad credit? You’re not alone. Many individuals face challenges due to CCJs, defaults, or low credit scores, but that doesn’t mean homeownership is out of reach. At Chris Smith and Sarah Tinkler Mortgages, we specialise in helping clients like you secure the right mortgage, no matter your credit history. We specialise in helping clients across Leigh, Atherton, and Tyldesley secure mortgages, even with bad credit.

Bad credit mortgage advisors

24 - 5 Star Reviews ⭐⭐⭐⭐⭐ on Google. Read our Testimonials

Challenges Faced by Bad Credit Borrowers across Greater Manchester

Why is it Difficult to Get a Mortgage with Bad Credit?
Bad credit can make it harder to qualify for traditional mortgage options. Lenders may view defaults, missed payments, or CCJs as risks. However, there are options designed specifically for those with less-than-perfect credit, and we know exactly how to find them.

Common Challenges Include:

  • Being declined by high-street lenders.

  • Higher deposit requirements.

  • Limited access to competitive interest rates.

How We Help Clients with Bad Credit across Bolton and Wigan

Your Path to Approval Starts Here:

  1. Free Initial Consultation: We’ll discuss your situation and determine the best route forward.

  2. Tailored Mortgage Options: Our network includes lenders who specialize in bad credit cases.

  3. End-to-End Support: From preparing your application to securing approval, we’ll guide you every step of the way.

Why Choose Us?

  • Years of experience in bad credit mortgages.

  • Access to flexible lenders who understand your needs.

  • Personalized strategies to improve your chances of approval.

Nicole Kelly

We contacted Chris as we really struggled to get a mortgage both me and my partner had adverse credit and he was self employed. Chris talked us through our options and advised us what would be best for us. He kept us up to date every step of the way and was clear with information he needed from us. We had tried other mortgage brokers had no luck, we are so happy with how everything has been dealt with by Chris and would recommend him to anyone, the process was made really easy from start to finish and we now have the home we wanted. Thanks so much Chris it’s not been easy for you but you really went out your way to make it easy for us! Nicole and Jack.⭐⭐⭐⭐⭐

FAQs About Bad Credit Mortgages

  • Can I get a mortgage with a CCJ?
    Yes, many lenders in our network consider applicants with CCJs.

  • How much deposit will I need?
    The deposit requirement varies, but we’ll help you explore options with the lowest upfront costs.

  • Will my interest rate be higher?
    Possibly, but we’ll work our hardest with lenders to secure the best deal for your circumstances.

Don’t let bad credit hold you back from owning your dream home. Contact us today for a free consultation and take the first step toward securing your mortgage!