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. 


Jamie Thunder
Jamie Thunder
We wouldn't hesitate to recommend Your Property Financial to anyone buying a property. We've dealt directly with Paul at all stages, and he's been friendly, knowledgeable, responsive and clear throughout.
Alejandro Gerardo Gomes
Alejandro Gerardo Gomes
Thank you so much Your Property Financial and Paul for all the support, advice and help in our process to buy our home. Paul was very professional, friendly, well knowledgeable on property purchase process, timing on answering our questions and he gave us the best advice. I highly recommend Your Property Financial as your first step before you buy your property as they will explain you all the processes and find the best options available for you and they will guide you all the way until the end of the process. Thank you Paul again ☺️
I couldn't recommend Paul enough. He was straightforward and thorough. He has guided through the mortgage process and helped us revise our offers multiple times.
eleni georgiadou
eleni georgiadou
Paul worked with me and my partner to find the most suitable mortgage and life insurance deals as first time buyers. He has been extremely professional and thorough since day 1, providing information and clarifications in an efficient way. He has also liaised with our solicitors and developer for a smooth and on time exchange without the need to request for an additional extension from the lender. We can’t thank him enough for all his hard work and look forward to working again with him on our upcoming re-mortgage application. We fully recommend his services!
Thor Portess
Thor Portess
Paul assisted me in the purchase and refinance of a property in East Finchley. The process in obtaining the mortgage was smooth and seem less and helped me to purchase the property in a timely manner.
Ioannis Grigoriadis
Ioannis Grigoriadis
Paul has provided us with a great service in a process that is stressful and includes so many variables. His guidance has been invaluable and has led to finding a place we have now moved into and love. He has always been available to talk to us in short notice and gave us ample time to ask questions so that we can feel confident in making informed decisions. He has gone above and beyond and we would highly recommend his services to anyone in the process of buying a home.
Paul Robson
Paul Robson
Paul Tait provided a very thorough service with a great outcome for us. He listened very carefully to us talk about our situation and priorities. Also great at keeping in touch and steering the process to completion in a very tight window. Thanks
Dom P
Dom P
Paul is great to work with. He give you a lot of time to explain things and ask questions and is responsive to emails and calls. He’s helped me from start to finish of a property transaction, from searching to moving it. I’d very much recommend Paul.
Richard Nice
Richard Nice
Paul couldn't have been more helpful and friendly. He clearly outlined all the options for our case (which was not that simple) and put us in touch with some other great people to assist with every process. We're very happy with his service and would highly recommend it.
Lucy Fletcher
Lucy Fletcher
Paul worked with myself and my parents to get us the right deal for our new family home. He was able to get us the mortgage we needed in time for our house sale and was able to help with the solicitor side of things which greatly helped hurry the process along. He was very understanding of our situation and was able to help whenever we needed him. I couldn't recommend Paul enough, I will definitely be using him as my financial advisor again.

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

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.