Don’t let your credit history hold you back. Your options could be better than you think, and with no obligation to apply.
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Start by providing some basic information, such as your income, employment status, and credit history, through our secure online form
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Our system uses this data to quickly assess your high-level eligibility. It evaluates various factors to determine what mortgage options could be available to you.
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See your mortgage matches instantly! Ready to explore further? Chat with one of our expert advisers for personalised guidance.
Having credit issues doesn’t mean you can’t buy a home, no matter what your bank tells you. Over 11% of UK borrowers have missed payments, defaulted on loans or credit cards, or had a CCJ or debt management plan. It’s more common than most people realise.
These kinds of credit blips usually lead to rejection from High Street lenders. But that doesn’t mean your homeownership journey has to stop there.
At EHF Mortgages, we specialise in helping people with credit challenges get back on track. As an independent mortgage broker with whole-of-market access, we work with a wide range of specialist lenders who don’t operate on the high street. These lenders understand that life happens and take a more flexible approach to things like CCJs, defaults, or irregular income. We’ll take the time to understand your situation, match you with lenders who are more likely to say yes, and support you through the entire application process.
Credit issues come in many different formats, but the most popular problems we help with include:
To access the full range of mortgage lenders and schemes, it’s essential to work with a specialist mortgage broker who understands how to navigate bad credit. Knowing what matters most to lenders, what can be overlooked, and how to present your credit history effectively can make all the difference in finding the most affordable mortgage deal for your circumstances.
At EHF Mortgages, we’ve spent over 35 years helping clients overcome credit problems of all kinds. Whether it’s a minor issue or more serious concerns, we work closely with specialist lenders and regional building societies that are open to supporting complex cases. We maintain direct lines of communication with dedicated lender support teams, allowing us to discuss your case in detail and find a solution that works.
If your bank has said no, or you know there are issues on your credit file, speak to us. We’ll help you find the right lender and the right deal to secure your dream home without the stress.
Now is always a good time to talk about your Mortgage. Expert planning and support will give you the piece of mind you are looking for.
Our Mortgage Advisers will work directly with you, supported by industry experts to ensure you are well looked after during the mortgage process, reviewing your protection needs, and we can even help with your Will requirements.
Being a Directly Authorised Broker firm allows us greater freedom to use lenders large and small; High Street mortgage lenders you will recognise, plus smaller specialist lenders with unique schemes and bespoke underwriting opportunities.
Having access to almost every UK Mortgage lender doesn’t need to be expensive either. We keep our overheads low and pass on those savings to our clients. Our borrowers know they will save more than any fees we charge, and nothing is paid upfront – we only charge once the mortgage has been offered.
A great place to start – we offer a 30-minute free consultation to all potential clients to discuss your needs without any obligation.
We make the process of obtaining a mortgage as easy as possible.Â
Let’s understand your plan, assess your finances and ensure that you can afford the mortgage you need. We will assess what you can afford.
We obtain the agreement from the right mortgage lender, giving you the confidence to view, offer and agree to buy the right property.
Let us support you through this most important stage, checking the property is accepted and your finances are good to go, moving you to Offer stage.
Solicitors finalise the legal work, request money from the mortgage lender, complete the purchase and you have the keys to your new home.
There are plenty of reasons to work with EHF Mortgages
By having independent access to the UK Mortgage market, we are able to provide you with the widest choice of products and will always have the most competitive deals.
We always offer a free no-obligation meeting, so we can understand your situation, your goals and show you how we can help.
We don't just stop with your mortgage, we like to keep you informed about the changes within the market and how this affects your future mortgage needs.
Now is a great time to start your mortgage journey with EHF Mortgages.Â
Specialist Mortgage Schemes backed by extensive market knowledge and significant lender choices.
Don't put your home or family at jeopardy, tailored protection solutions to your individual needs.
