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We are Adverse Credit Mortgage specialists in Nottingham

Adverse Credit Mortgages / Bad credit mortgages / sub-prime mortgages are specifically for people who have a bad credit rating.


How do you know where to start looking ?

  • You may have some missed payments on a mobile phone bill, a loan, a credit card or even a mortgage

  • You may have a default or numerous defaults on your credit report

  • You may have a CCJ (County Court Judgement)

  • You may be in a or have been in a debt management plan

  • You may even have been bankrupt

When you are one of the above trying to find a mortgage suitable for you can be difficult as you could have a bad credit score, which means lenders available to you will be limited

The Difference with these Mortgage lenders:

The main difference with this type of mortgage is that interest rates can be higher to standard mortgages as you are considered a higher risk to lenders. It’s highly likely you will need a larger deposit, usually at 15% of the property value.

The Answer: Let us assess your credit report and we will tell you what your options are, which will save you hours, days, weeks and months trying to find a suitable lender.

A snippet of some of our lenders criteria:

  • Missed payments accepted with certain lenders
  • Defaults accepted with certain lenders
  • CCJ’s accepted with certain lenders
  • Debt Management Plans considered with certain lenders
  • Mortgage arrears accepted with certain lenders
  • Individual Voluntary Arrangement considered with certain lenders
  • Discharged Bankruptcy considered with certain lenders


Contact Cherrywood Mortgages now, your friendly local Nottingham Mortgage Broker


*Your home may be repossessed if you do not keep up repayments on your mortgage*

*Buy to let mortgages are not regulated by the Financial Conduct Authority*


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