Adverse Mortgage Advisors

Adverse Mortgage Advisors We help people who have bad credit or low credit scores move into the home of their dreams

14/08/2026

If you’re selling your home, you’d probably want to know if your estate agent was potentially turning away buyers before they even got through the door.

31/07/2026

There are 5 things that tell me you’re mortgage ready.

1. You know your credit report.
Not your credit score—your actual credit report.

2. You know your budget.
You know exactly what you can comfortably afford each month.

3. Your bank statements are clean.
No unnecessary gambling, constant overdraft use, or missed payments.

4. You know your income.
You understand what income lenders will actually use and how much you can realistically borrow.

5. Your deposit is ready.
It’s in place, can be evidenced, and you’re ready to move when the right property comes along.

If you’re missing even one of these, you’re probably not as mortgage ready as you think.

Get everything in order before you start house hunting.

31/07/2026

There are 5 things that tell me you're mortgage ready.

1. You know your credit report.
Not your credit score—your actual credit report.

2. You know your budget.
You know exactly what you can comfortably afford each month.

3. Your bank statements are clean.
No unnecessary gambling, constant overdraft use, or missed payments.

4. You know your income.
You understand what income lenders will actually use and how much you can realistically borrow.

5. Your deposit is ready.
It's in place, can be evidenced, and you're ready to move when the right property comes along.

If you're missing even one of these, you're probably not as mortgage ready as you think.

Get everything in order before you start house hunting.

16/06/2026

The biggest myth about bad credit mortgages?
That the interest rates are automatically going to be sky high.
That’s simply not true.
Yes, some borrowers will pay higher rates depending on their circumstances.
But many people are surprised at how competitive their options actually are.
Your rate depends on far more than just your credit history.
Deposit size, income, affordability, the age of any credit issues, and the lender you use all play a part.
Too many people assume they can’t afford a mortgage without ever checking what’s available.
Don’t let assumptions stop you from exploring your options.
Message me if you want to see what rates and lenders could be available to you.

12/06/2026

Bank statements matter far more than most people realise when applying for a mortgage.
It’s not just about proving your income.
Lenders use your bank statements to understand how you manage your money.
They’ll look at spending habits, overdraft usage, gambling transactions, Buy Now Pay Later commitments, missed payments, and overall financial behaviour.
You can have a good income and still create concerns through what your statements show.
Your bank statements tell a story.
Make sure it’s the right one.
Message me if you want to understand what lenders are really looking for before you apply.

11/06/2026

If you’ve been following my content, you’ll know I’m always talking about finding the right lender, not just the cheapest rate.

Here are my Top 3 Mortgage Lenders for May 2026 👇

🥉 Accord Mortgages
A solid all-round lender with strong affordability and sensible underwriting.

🥈 Atom Bank
Fast, competitive, and a great fit for many straightforward applications.

🥇 Bluestone Mortgages
Taking the top spot this month for their flexibility and willingness to consider cases that many lenders won’t.

The truth is, the lender you choose can make or break your application.

One lender’s decline can be another lender’s approval.

That’s why lender selection is one of the most important parts of the process.

Message me if you want to know which lender is likely to fit your situation.

09/06/2026

Everyone wants to buy when the market feels safe.

The problem?

That’s often when house prices are at their highest.

When confidence is high, more buyers enter the market, competition increases, and prices get pushed up.

The people waiting for certainty usually end up paying a premium for it.

There is no perfect time to buy.

The best time is when you’re financially ready and the numbers work for you.

Trying to time the market perfectly rarely works.

Focus on your position, not the headlines.

Message me if you want to understand what you could afford today.

08/06/2026

I told you Klarna would start causing problems when it comes to getting a mortgage.

For years, people treated Buy Now Pay Later like free money.

Now lenders are paying much closer attention.

Why?

Because multiple Klarna transactions can indicate reliance on short-term credit, even for everyday spending.

It might seem harmless, but lenders want to understand how you manage your money.

The more credit commitments you have, the more questions an underwriter may ask.

Just because something is easy to get doesn’t mean it won’t affect your mortgage application.

Think long-term, not just short-term convenience.

Message me if you want to understand how lenders view your finances today.

05/06/2026

Why do people suddenly end up with multiple bank accounts?

A lot of the time, it starts when they begin missing payments, relying on overdrafts, or trying to juggle money between accounts to stay afloat.

One account covers bills. Another is overdrawn. Another gets used for spending.

Over time, finances become messy and harder to manage.

The problem is mortgage lenders can see this pattern straight away through your bank statements.

Too many transfers, constant overdraft usage, and accounts being used to patch over problems can raise concerns about financial stability.

Lenders want clarity and control — not financial chaos.

Message me if you want to understand how lenders view your bank statements before you apply.

22/05/2026

Adding someone to your mortgage doesn’t always make things better.

Sometimes it can make things a lot worse.

People assume adding another income will automatically increase borrowing power — but lenders also take on that person’s debts, credit history, financial commitments, and spending habits.

One weak profile can affect the whole application.

Missed payments, high debt, poor affordability, or bad bank statements from the second applicant can reduce your options or even lead to a decline.

Bigger income doesn’t always mean a stronger application.

This is why proper advice matters before adding anyone to a mortgage.

Message me if you want to understand the impact before making changes.

Address

International House, Charfleets Road
Canvey Island
SS80PQ

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 5pm

Telephone

+441268294777

Website

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