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When it comes to buying a home not everyone has a perfect credit history. Money problems can affect everyone. Adverse credit problems can be linked to a loan default, county court judgements or being a discharged bankrupt.



Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out. Certainly no-one taking out a mortgage wants to see their property repossessed.

However, there is some good news in that some lenders are willing to provide adverse credit mortgages. Deals are unlikely to match standard mortgages; lenders in the adverse credit market - which is also sometimes described as 'sub-prime' or 'non-conforming' - will charge higher rates.

While the lenders clearly want to keep some degree of separation between their standard and adverse credit divisions, the deals they are offering are less punitive than in the past.

Your application will be thoroughly vetted and the interest set according to the risk the lender believes you pose.

A mortgage may not be available in all cases, but we'll always try our best.


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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.

JLS Mortgages Ltd is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority, FCA Register Number 649443. 

JLS Mortgages Ltd is registered in England and Wales with company number 05898748. Registered Office. c/o BCS, Windsor House, Station Court, Station Road, Great Shelford, Cambridge, CB22 5NE.

There may be a fee for mortgage advice of up to 1% of the mortgage amount. The actual amount payable will depend on individual circumstances. A typical fee payable is £495. You will be advised at an early stage if a fee is payable and the amount. Commercial Mortgages and some types of Buy to Let mortgages are not regulated by the Financial Conduct Authority. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

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