Bad Credit Mortgage Advice

Worried your credit history will stop you from getting a mortgage? Don’t be. At Grandi Mortgage Solutions, we help clients with adverse credit secure mortgage deals through specialist lenders who assess applications with a more flexible, human approach.

Whether you've had missed payments, defaults, CCJs, or other financial issues in the past, there are lenders out there who will still consider your application, and we know where to find them.

How do adverse credit mortgages work?

✅ Flexible Lending Criteria
These lenders look beyond just your credit score. They’ll consider your overall affordability, the reasons behind your credit issues, and how your situation has improved.

✅ Higher Deposits Required
In many cases, you may need to provide a larger deposit than someone with a clean credit history — often 15–25% depending on your circumstances.

✅ Specialist Lenders
We work with lenders who specifically cater to people with poor credit. They understand that life happens — and focus on solutions, not just problems.

✅ Higher Interest Rates
Rates may be slightly higher to reflect the increased risk, but we’ll always help you find the most competitive option available.