ADVERSE CREDIT MORTGAGE ADVICE

Adverse Credit Mortgage Advisors in Staffordshire & Stoke-on-Trent

If you’ve faced financial challenges in the past, securing a mortgage can feel like an uphill battle. At Faulkner Powell Mortgages, we specialise in helping individuals with credit impairments navigate the mortgage process and find a solution tailored to their circumstances.

What is a Bad Credit Mortgage?

Adverse credit mortgages, also known as credit-impaired mortgages, are designed for people with less-than-perfect credit histories. This could include:

  • Defaults: Missed payments on loans or credit cards.
  • County Court Judgements (CCJs): Legal judgements against unpaid debts.
  • Bankruptcies: Past insolvencies or arrangements with creditors.

These issues can make mainstream lenders hesitant, but it doesn’t mean owning a home is out of reach. We work with lenders who understand that credit histories don’t define your financial future.

Why Choose Faulkner Powell for Adverse Credit Mortgages?

  • Expert Knowledge: We understand the complexities of credit-impacted lending and can identify lenders who specialise in these situations.
  • Tailored Solutions: Every client’s financial history is unique. We take the time to review your circumstances and recommend options that align with your goals.
  • Supportive Approach: We’ll guide you through every step of the process, helping you rebuild financial confidence while securing your mortgage.

How We Can Help

  • Assessing your credit history and understanding your financial position
  • Identifying lenders open to working with clients with adverse credit
  • Helping you navigate affordability checks and requirements
  • Providing advice on improving your credit profile for better terms
  • Offering ongoing support to help secure your home

What’s Next?

If you’re worried that bad credit might hold you back from becoming a homeowner, don’t lose hope. Contact Faulkner Powell Mortgages today. Our expert advisors are here to explore your options, simplify the process, and help you take steps toward owning your dream home.

    Faulkner Powell Mortgages will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. Please click on the below questions to reveal the answers

    Why do you need my data and what will it be used for?

    We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK.

    Who is my data shared with?

    Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.

    How long do you keep my data for?

    We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing of your data. To do this, please contact info@faulknerpowell.co.uk.

    What are my rights?

    You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the Information Commissioner’s Office: https://ico.org.uk.