Award Winning Mortgage Broker
28 Years Specialist Lending Experience
01708 676111
Credit Challenge Specialists - Residential Mortgages
Secure Your Mortgage Even With Less Than Perfect Credit
We understand that life happens. Missed payments, CCJs, or past financial difficulties don't have to stop you from buying a new residential property or getting a better deal on the home you already live in.
Book a relaxed 30-minute call with a specialist adviser to understand your options.
No impact on your credit score
Wide range of lenders and providers
FCA regulated advice
Use the form to request your expert help now and be matched instantly
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200+ Lenders & Providers
Including Specialist Lenders
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FCA Regulated
Fully authorised mortgage advice
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Purchase & Remortgage
Residential customers
WE CAN HELP WITH
Your Credit History Doesn't Define Your Future
Whether you're looking to buy your first home, move to a new property, or remortgage your existing one, our specialist advisors find residential mortgage solutions for people with less than perfect credit every day. We work with lenders who look at your full picture, not just your credit file.
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Missed Payments & Defaults
Missed a payment or had an account default? Many lenders consider how long ago it happened and the overall context — not just the mark on your file.
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County Court Judgements (CCJs)
A CCJ doesn't automatically disqualify you from a mortgage. Satisfied or older CCJs in particular can still open doors with the right specialist lender.
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Debt Management Plans
Currently on or recently completed a DMP? Specialist lenders understand that managing debt responsibly is a positive sign, not just a red flag.
THE PROCESS
Getting Started Is Simple
We've made it as straightforward and stress-free as possible. No jargon, no judgement, just honest, expert guidance from start to finish.
1
Free Call
Book a relaxed 30-minute call with a specialist adviser to understand your situation.
2
We Search the Market
Our advisors identify the lenders most likely to approve your residential mortgage application.
3
Tailored Recommendation
We present your best available options for buying or remortgaging, explained in plain English.
WHY CHOOSE CONNECT MORTGAGES
We're Different Because We Care
28+ Years Specialist Experience
We've spent over 28 years helping residential customers — buyers and remortgagers — with less than perfect credit find the right mortgage solution.
Wide Range of Lenders & Providers
We're not tied to any single lender. We work with 200+ lenders and providers to find the right fit for your circumstances.
No Judgement, Just Solutions
Our advisors have helped people in all kinds of financial situations. We're here to find a way forward, not to dwell on the past.
Trusted by Residential Customers Across the UK
Helping buyers and remortgage customers with less than perfect credit find solutions every day.
200+
Lenders & Providers
4.9
Lenders & Providers
28+
Years of Experience
FCA
Regulated Advice
Request a callback instead of booking an appointment here
Request a Free Call
Book a relaxed 30-minute call with a specialist adviser to understand your options.
No obligation. No impact on your credit score. FCA regulated.
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COMMON QUESTIONS
Things People Often Ask Us
Can I really get a residential mortgage with less than perfect credit?
Yes, many people with less than perfect credit do successfully obtain residential mortgages, both for purchase and remortgage. While high-street banks have strict criteria, there is a whole market of specialist lenders set up to assess applications from people with credit issues. The key factors are the nature of the issue, how long ago it happened, and your current financial stability.
Can I remortgage my home if I have less than perfect credit?
Yes. Remortgaging with less than perfect credit is absolutely possible, particularly if you have equity in your property. Specialist lenders assess your application based on your current financial situation as well as your credit history. Whether you're looking to reduce your monthly payments, release equity, or simply move to a better rate, we can search the market on your behalf.
Will applying affect my credit score?
Not during the initial call. If you decide you want to progress further following a chat, we may carry out a soft credit search first to assess your options, which has no impact on your credit file. A hard search typically only occurs when you formally apply to a specific lender. Some lenders may run an upfront hard credit check but we'll always explain this to you beforehand.
How much deposit will I need to buy a home with less than perfect credit?
This varies depending on the severity and recency of your credit issues. Generally, a larger deposit gives you access to better rates and a wider range of lenders. Some specialist lenders will consider applications with as little as 5 to 10% deposit, though 15 to 25% typically opens up more options. Your adviser will give you a clearer picture based on your personal circumstances.
What if my credit issue was a long time ago?
Not during the initial call. We carry out a soft credit search first to assess your options, which has no impact on your credit file. A hard search only occurs when you formally apply to a specific lender and we'll always explain this to you beforehand.
How much does your service cost?
Your initial call is completely free with no obligation. If you proceed with a full mortgage application, a broker fee may apply and we will always be completely transparent about this before you commit to anything. There are no hidden charges.
Ready to Take the First Step?
Talk to a specialist mortgage adviser today, for free, with no obligation.
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
Making a Complaint: It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk
Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.
Connect Mortgages is a trading style of Connect IFA Ltd, which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 441505. The FCA does not regulate some forms of Business Buy-to-Let Mortgages and Commercial Mortgages to Limited Companies. A fee will be payable for arranging your mortgage. Your consultant will confirm the amount before you proceed, typically 0.5% of the mortgage balance, e.g., £500 for a £ 100,000 mortgage. The guidance and/or advice contained on this website is subject to the UK regulatory regime and is therefore primarily intended for consumers in the UK.
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Connect IFA Ltd Registered Address: 39 Station Lane, Hornchurch, Essex, RM12 6JL. Registered in England and Wales under reference: 05501124
Connect Mortgages is part of the Connect Group: Connect Experts and Connect for intermediaries are trading divisions of Connect IFA Ltd.