Adverse Credit Buying a property can be the biggest decision made in our lives. It is for this very reason that professional advice is critical from qualified advisers. CONTACT US

We live in an age where just about anything can be purchased without having to pay in full up front. Finance is readily available in many different formats, including Credit Cards, Personal Loans, Hire Purchase, Store Cards and Buy Now Pay Later, just to name a few.

This can be a great way of spreading cost to make our outgoings more manageable. However, if not managed carefully it can also be a quick way to build debt and if circumstances change it can prove difficult to keep up with payments.

Getting a mortgage with bad credit can be tough, especially if you have Defaults, County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs) or a Bankruptcy in your credit history – but it’s NOT IMPOSSIBLE.

Stewart Financial have a history of helping clients with adverse credit and work closely with some of the more specialist lenders to achieve this.

If you have a bad credit history, some high-street banks may refuse to give you a mortgage. Building societies can sometimes be more flexible and there are also specialist adverse-credit mortgage lenders, some of which cater specifically for people who’ve faced illness, divorce or other difficult life events that have resulted in poor credit files.

These lenders tend to be more flexible when assessing a mortgage application, therefore it’s worth seeing if you can be accepted regardless of your credit profile.

The overall cost for comparison is 8.7% APR. The actual rate available will depend on your circumstances. Please ask for a personalised illustration.

If you have incurred adverse credit and you want to find out the best way to get a mortgage, please get in contact today.

Just send us your questions and we will give you the help you need.

A: 21 Cedar Parade, Ashford TN23 3TE
T: 01233 807107


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T: 01303 210343


A: 102 High St, Tenterden TN30 6HT
T: 01580 392102


A: 156B High St, Hythe CT21 5JU
T: 01303 720724