You may have been told that you cannot get a mortgage due to your credit history. This very much depends on what is showing on your credit file and the level of 'adverse' evident on the report. 

Our advisers work with lenders that will be far more lenient in their assessment of adverse credit and will look at applications on a case by case basis. 

Mortgage rates available to applicants with adverse credit are often slightly higher. 


We have access to specialist lenders where rates start from 2.39% (5.40% APRC) and go up to 7.12% (7.50% APRC).

The interest rate will be dictated by the severity of the adverse credit evidenced on your credit file.

Have you been told you have 'bad' credit?


Have you struggled to get the mortgage you need due to your credit score or what is evident on your credit file? 

Adverse Credit


Adverse credit that we are able to assist with:


          Low Credit Score

Missed payments on unsecured credit

Both satisfied and unsatisfied defaults and County Court Judgments (CCJ's)

Debt management plans and Individual Voluntary Arrangement's       

Previous bankruptcy and Debt Relief Orders (must be now discharged)

For quick, efficient and expert advice, simply call

0800 988 6564 free and speak to one of our fully

qualified mortgage advisers.

The adviser you initially speak with will guide you through the entire process from start to finish.  

© 2015 Berkley Vittoria IFS Ltd

Berkley Vittoria Independent Financial Services is directly authorised and regulated by the Financial Conduct Authority.  We are entered on the FCA Register No 150186. 

Registered in England No. 2667979. Registered Address: The Stirrups, Claypit Lane, Lichfield, Staffordshire WS14 0AQ.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.


Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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