Ipswich Mortgages

Adverse Credit

If you have a history of bad credit we have access to specialised lenders that are able to consider your credit history so please talk to us today to let us help you.
We need you to be open and honest with us to allow us to work with your individual requirements and we will use our expertise to help find the right mortgage lender for you.
Contact us today to see how we can help you.

What is Adverse Credit?

Adverse credit is if you have a negative payment history on your credit file. These can be things like missed payments on financial credit commitments to disputes with utility bills, parking tickets or other financial issues.

Do I Qualify?

Just because you have bad credit history doesn’t necessarily mean you won’t get a mortgage. There are lenders who will not turn you down solely on negative credit history, however these lenders will take a closer look at a client’s personal circumstances on a case-by-case approach.
Having adverse credit may require you to put down a larger deposit and often have slightly higher interest rates, but one of our experts will be able to thoroughly explain everything based on your individual needs.

What does a lender look at?

An Adverse Mortgage lender will consider many different aspects when assessing your requirements.
Lenders consider everything from your employment status, income, the size of your deposit, and your age. However lender criteria varies widely: that’s why we are here to help guide you in the right direction.

Why Choose Ipswich Mortgages?

As one of the leading mortgage brokerage specialists in the Ipswich area, we have a wide range of
experience and knowledge to cater to our clients individual needs. We have worked in the mortgage
industry for many years and it is our main priority to deliver an unbeatable customer service
experience.

We offer expert guidance throughout the mortgage process and strive to provide you with the mortgage product to suit your circumstances. 

As a mortgage is secured on your home, please note, your home may be repossessed if you do not keep up repayments on your mortgage.

What Our Clients Say

Very pleased with the service, always available to answer any questions, everything was dealt with professionally and promptly. Would definitely recommend.

– Mason – September 2023

Absolutely amazing, lovely woman. Because of Jennifer our adventure with mortgages was easier and calm. Thank you for everything what you had done for us. We definitely will be back on re-mortgage.

– Malgorzata – September 2023

We used Ipswich Mortgages through a referral, our handler was Jennifer Barber. She is very thorough, has excellent communication, is always answering queries and questions! She even provided us with advice we didn’t know we needed. Really appreciate all the help with helping us get our first home! Thank you so much!

– Jemma – September 2023

Excellent service. Jennifer was professional throughout our experience and got us the best mortgage under very challenging circumstances. She exalted where others failed. We recommend her highly.

– Garfield – August 2023

Jenny was a great help in finding the right mortgage deal. As a first time buyer I had plenty of questions which were always quickly and clearly answered – I’d recommend Jenny to anyone looking for their next mortgage product.

– Josh – July 2023

5 star service. Jennifer has been really helpful in getting us the right mortgage for your first house. The entire process was smooth and fast. I can definitely recommend Jen.

– Prasenjit – July 2023

Contact Us

If you have poor credit history or are worried about getting a mortgage contact us today to discuss your options with a friendly member of our specialist team.