Bad credit? Been declined a mortgage? We help you find real options.
Most brokers push one lender. We don't. Declined A Mortgage is an independent support service that helps people with bad credit understand what mortgage options may still be available.
- Low credit scores
- Defaults
- CCJs
- Missed payments
Testimonials
“I'd spoken to three brokers before finding Declined A Mortgage and none of them made things make sense. These guys actually helped me understand what my options were.”
“I thought my credit history had ruined my chances completely. Turns out there were still options available.”
How does it work?
Situation Information
Complete our quick form and let us know what's been happening. Bad credit, missed payments, defaults, self-employed income, whatever your situation, we'll take a proper look.
Mortgage Options
We independently review what routes may be available and help you understand 3–5 potential mortgage options that could work for you. Simple, clear, honest guidance without the confusing jargon.
Trusted Advisors
Once you're happy to move forward, we'll introduce you to FCA regulated mortgage advisors who work on a no upfront fee basis to complete the process.
You're probably closer than you think.
A lot of people assume bad credit means an automatic “no”. It doesn't. There are lenders and products designed specifically for people who've had financial issues in the past, and we know the brokers who can help. They'll be able to help you understand:
- Which lenders may consider you
- What products could realistically work
- How to avoid wasting time on the wrong applications
- Which lenders actually understand complex cases
That's where our support makes the difference. We'll match you with an advisor who will help you understand the landscape before you commit to anything.
Why choose Declined A Mortgage
Independent Support
We're not a lender or broker, so our focus is helping you find a broker that can help with whatever challenges you'e facing
Multiple Mortgage Options
Instead of giving you one possible route, our brokers will help you explore multiple realistic options that could fit your situation and advise you on which option is best for you.
Bad Credit Specialists
Missed payments, defaults, CCJs, self-employment or previous refusals, our advisers understand complex situations and won't judge you for them.
Friendly, Straightforward
No confusing jargon. No pressure. Just honest support from people who want to help you move forward with confidence.
Customer story
I'd already been declined twice and honestly thought buying a home was over for me. Every broker I spoke to either brushed me off or made me feel like a problem. Declined A Mortgage actually listened.
They put me in touch with Jack at Linear who explained everything clearly, showed me a few different routes I could take and introduced me to an advisor who understood my situation. Now I'm looking for the home of my dreams with confidence and can't wait for the future.
I genuinely don't think I would've got there without the support.
About Declined A Mortgage
Independent & On Your Side
We're not a lender or broker. Our job is to match you with someone who will help understand your options without pressure, sales tactics, or confusing mortgage jargon.
Specialists In Bad Credit Mortgages
We help people with poor credit history, previous mortgage refusals, CCJs, defaults, self-employed income, and more complex situations explore what may still be possible.
Friendly Support From Start To Finish
Our approach is simple, honest, and supportive, helping you feel more confident throughout your mortgage journey.
It's easy to get started. Fill out our simple form.
Tell us what's happened so far and we'll come back to you with the options that may still be open — then match you with a broker who works with cases like yours.
Prefer to talk? 0800 000 000