When the bank says no, we
help you find a way forward

Specialists in complex cases and adverse credit. See how we turn common issues into solutions.

Get Started

Tip: tap a card to flip between the issue and the way we approach it.

Common

⏰

Missed Payments

Late or missed payments on credit cards, loans, or other commitments.

Common

🧩

Stabilise & Explain

Present the reasons behind issues, demonstrate financial stability, and work with lenders who may overlook older marks.

Adverse

⚠️

Defaults / CCJs

Defaults or County Court Judgments showing on your credit report, whether recent or settled.

Adverse

🛠️

Adverse-Friendly Route

Work with specialist lenders who don’t rely heavily on credit scores, clear what’s required, and move back towards mainstream options.

Popular

📊

Self-Employed

Income from self-employment, dividends, contracts, or multiple income streams.

Popular

📈

Accountant-Backed Case

Present a clear, accountant-supported income picture to match with lenders who understand complex self-employed profiles.

Route

🏠

Low Deposit

Smaller deposit available, starting from just 2.5%.

Route

🧭

Maximise LTV Options

Make use of schemes, gifted deposits, or lenders with higher loan-to-value options to boost approval chances.

Pathway

📄

IVA / Bankruptcy

Insolvency, such as IVA or bankruptcy, recorded on your credit history.

Pathway

🛤️

Specialist Pathway

Start with lenders who accept historic credit events, rebuild over time, then remortgage onto lower rates.

Secure online form

Mortgage Enquiry Form

Share a few details and we’ll review your options. Suitable for complex income and past credit blips.

Quick review Adverse-credit friendly SSL encrypted

Your information is confidential and secure

Complete the form below:

Mortgage Bridge helps in complex situations

Because life doesn’t always go to plan

We help people who find it difficult to get a mortgage through their bank — whether it’s past credit issues or complex income.

Missed payments Defaults / CCJs Self-employed or contractors Low deposits DMP / IVA / bankruptcy Declined elsewhere

Whole-of-market • FCA regulated advisors • No-obligation, friendly chat

Book a free chat

The Mortgage Bridge Process

Life isn’t always straightforward. Your mortgage advice shouldn’t be either.
When circumstances are complex, you need someone who will listen, understand, and help you find a way forward. Our mortgage specialists are experienced in helping people with challenges like bad credit or low credit scores.

1

Share Your Situation

Complete our quick enquiry form to tell us about your circumstances.

2

Speak to a Specialist

We’ll match you with a mortgage specialist who will search the whole market to find suitable options, including mortgages for bad credit and other challenging situations.

3