Specialist Mortgage Broker
Bad Credit
If you have credit issues but are looking to secure a mortgage or re-mortgage, here are practical steps to improve your chances:
By following these steps, you can enhance your eligibility for a mortgage or re-mortgage despite past credit issues.
Your options may be better than you think, that’s why it is vital to seek professional advice.
We have access to whole of market for mortgage products and so are fully equipped to offer a bespoke solution to your individual circumstances.
Free consultation, no obligation
Get a tailored solution
Same day decision in principle
Soft credit search at decision in principle stage
Explore debt consolidation options
Access to 1000’s of mortgage products
Support from start to finish
Our mortgage experts are committed to finding creative solutions tailored to your unique circumstances. We'll work closely with you to understand your financial goals and explore all available options to secure a mortgage that suits your needs.
Additionally, we provide comprehensive guidance and support throughout the entire mortgage process. From assessing your credit situation to helping you improve your credit score, we're here to empower you with the knowledge and resources you need to take control of your financial future.
Don't let past financial challenges stand in the way of your homeownership dreams.
Take the first step towards a brighter future by getting in touch with us to discuss your current situation, book your free no obligation appointment.
I had an excellent experience working with Elaine at Penguin Mortgages. She is always happy to help and took the time to answer every question thoroughly and clearly. Her advice was detailed, professional, and made the whole process much easier to understand. They were also incredibly friendly and quick to respond. I really appreciated their support and would highly recommend them to anyone looking for reliable and knowledgeable mortgage advice.
22 May 2026
We honestly cannot thank Elaine enough for everything she did for us during our home-buying journey. After a very frustrating experience with the developer’s advisor, who made the process stressful and unhelpful, Elaine completely turned things around for us. She was professional, patient, knowledgeable, and always ready to support us every step of the way. Elaine kept us informed throughout the process, explained everything clearly, and genuinely fought to get the best outcome for us. What once felt impossible became possible because of her dedication and hard work. If you are looking for a mortgage advisor who actually cares about her clients and goes above and beyond, I highly recommend Elaine. Thank you again for coming through for us
19 May 2026
Elaine helped us get a mortgage. She was on hand all the way through. Every worry or concern I had and every step of the way she was a message or call away. I would 1000% recommend Elaine! I never thought I'd be able to get a mortgage but thanks to Elaine we will be moving in to our new home shortly.
7 April 2026
I was referred by someone who spoke highly of Elaine's services, and I must say that Elaine's services was nothing short of expectations, if anything at all, my referee didn't do justice to explaining how beyond excellent her services are. Elaine held my hands throughout the process and even assured me, I can always come back to her anytime. I can't count the number of times I sent her a message or called her out of hours, and she was always happy to help. Her professional and communication skills are top-notch, and she was so graceful in her approach, even at times when I was a bit confused. Thank you so much Elaine, you will always come highly recommended in my books.
3 February 2026
Elaine is professional and having excellent communication skills and well experienced. Elaine has earned my trust 💯. She made me feel at home with all her advice as she gives you the best you can get anywhere. I will recommend her anytime to anybody.
16 January 2026
