Your Property Financial

Your Property Financial

Worried about getting declined for a mortgage?

It’s very easy to get declined for a mortgage if your credit score isn’t near perfect and once you’ve been rejected you will find it even harder to get approved as other lenders will see these declines.

At Your Property Financial, we have access to the lenders who can consider your application and have direct communication with the decision-makers at the banks to make sure you get approved quickly and we have a success rate of 96% on approval at first application.

Check out our brief credit score video below 👇🏾

mortgages for poor credit

Mortgage lenders too often don't fully consider all the facts about your situation, or worse, just let the computers make the decisions, which can lead to you getting declined!


Factor in any late payments, defaults, or other credit issues you may have had and you're going to find it hard to get approved by a mortgage lender. 


Avoiding being declined is crucial as if you get rejected more than a few times, it can harm your credit rating even more, which could lead to you not getting a mortgage and therefore, losing out your dream home or better mortgage rates. 

Did you know several factors can impact your credit score?

The first thing lenders will check when considering your mortgage application is your credit score. This will show your payment history, current debt levels and account conduct.

There are numerous reasons you can have a low credit score:

mortgages for bad credit
  • Late payments
  • Arrears
  • Defaults
  • Debt Management Plans
bad credit mortgage brokers
  • Overall outstanding debt
  • Not on electoral register
  • Debt to income ratio
  • Debt vs credit limit ratio
mortgage for bad credit
  • Type of debt outstanding
  • County Court Judgements
  • Past or current Payday loans
  • IVA / Bankruptcies


We have got access to lenders who can help regardless of your credit score!

Your credit score is one of the first things a potential lender will look at when considering whether to lend to you. 

Often the lender will use different credit rating agency data and even their own credit scoring system to make a decision on whether to lend to you. 

Therefore it's very important you have expert mortgage advice to ensure you only proceed with a lender who is likely to accept your credit score and credit data. 


Pat Traynor
Pat Traynor
Paul was very helpful in sourcing the best equity release deal at a time of sudden increases in interest rates. He kept me Informed during the process and was always available to answer questions. I raised the money to help my daughter buy a bigger flat.
Tim Whitcher
Tim Whitcher
Very professional and personable, Paul always had the time to ensure that we understood everything and that we got the best deal possible that was right for us.
Cally Bravington-Smith
Cally Bravington-Smith
Paul has been exceptional during the course of this year helping us buy our next property, his support and guidance through a lengthy and tricky transaction was second to none. Paul is very personable, and unlike many other brokers would work outside the normal 9-5. Always had our best interests in the forefront. Highly recommend :-)
Charlotte Faucher
Charlotte Faucher
Benefiting from Paul's expertise to help us secure our first mortgage was very precious. Paul was always available to answer any query we had, and he submitted our application very quickly once we had gathered our documentation. I've already recommended the company's services to friends!
Louisa Smurthwaite
Louisa Smurthwaite
Paul helped me find a new mortgage. His knowledge was invaluable. Adding to this, he was extremely patient with me while we navigated some complex decisions. Thanks Paul, amazing service!
Sinead Ennis
Sinead Ennis
The whole process of getting the right mortgage was made easy, with continued support all the way through. Highly recommended.
Daniel Lee
Daniel Lee
My girlfriend and I are buying our first home and Paul has been absolutely fantastic every step of the way. He’s knowledgable, friendly and very approachable, regardless of the time of day, even replying to emails at gone 9 o’clock at night! Would definately recommend and will definately be using in the future!
Chris Healy
Chris Healy
Paul has been incredibly helpful and informative every step of the process of me owning a property, as a first time buyer there was I lot I didn't know and he's really gone the extra mile for me.
Paul Ho
Paul Ho
Paul's dedication, expertise and attention to detail was instrumental in securing the deal for my house purchase. In my opinion his fees was money very well spent, and would recommend him without hesitation.
Panos Savvas
Panos Savvas
Paul worked with me and my wife to find the right mortgage and insurances needed for our new home. He's is very knowledgeable and professional. I never felt rushed or uniformed. He really went out of his way to ensure we had all the information we needed and guided us through the process. Beyond that Paul went above and beyond in working with our conveyancer and the estate agent to assist in our exchange and completion. I would not hesitate to recommend him or use him again in the future.

Don't lose your dream home or get declined for a mortgage anymore

We have a 96% success rate with our applications for our clients who have poor credit.


Many lenders we have access to don't even consider your credit score and take a more human approach to understand what the reason for the low score is and the specifics that led to that. 


We find the perfect fit for your circumstance and the best lender who can consider your application.


Getting a mortgage with past credit issues or low score can be tricky, but we're here to help you and are well connected with lenders who can consider your application so as to make sure we can get you the best terms available and keep your payments low.

Your broker here to help

Lenders have very strict criteria, which you either fit or you don't, this is where your mortgage broker really comes into play as they know the lender's policy inside out and will make sure your application is submitted to the most suitable lender who can consider your circumstance and help you get approved quickly. Your mortgage broker will deal with the lender directly and will present your application in the best possible light; increasing your chances of acceptance on your first application.


Low credit score mortgage broker

Your mortgage broker will help you get approved the first time you apply and will be able to potentially arrange a bespoke mortgage just for you with the lender if your circumstances aren't straightforward.


Your mortgage broker deals with the 90+ lenders every week so knows them very well and will have just the right lender for your needs. 


First things first, you should arrange to speak to a mortgage broker who is able to help you navigate your current options and consider the different solutions to improving your credit score and/or what your mortgage options will be considering your current credit score and circumstance.


Your mortgage broker will have access to lenders who can help and in some cases lenders who don't even look at your credit score.  

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Get in touch for an initial free, no-obligation chat with an advisor about how we might be able to help you.

Contact Us Low credit
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Why choose us

We’re experts in the field

✅Our team of brokers are specialists with helping when your credit score is low of you've had past credit problems as we have access to the lenders who can consider your mortgage application.  


✅Access to over +90 lenders so you will get the most suitable rates and terms available with many of these lenders not available on the high street which are exclusive to brokers.


✅Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there to answer all the questions you may have.

Rapid solutions

✅We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you.

If you prefer to speak face-to-face we can also arrange a video call.

Your Property Financial Ltd (FCA Number:942504) is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.
We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
The Financial Conduct Authority does not regulate some forms of buy-to-let, overseas and commercial mortgages.
Your Property Financial Ltd registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.
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.