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 honestly couldn’t recommend Elaine from Penguin Mortgages highly enough! As a first-time buyer, I had no idea what to expect and initially found the whole mortgage process quite overwhelming, but Elaine made everything feel incredibly simple and stress-free. She found me a great mortgage rate, explained everything clearly and patiently, and was always there whenever I had a question. She also helped me through all the paperwork and made sure I understood what was happening at every stage. What could have been a really stressful process was made super easy thanks to Elaine. I felt completely supported from start to finish and knew I was in safe hands. I’m so grateful for all her help and would 100% recommend Elaine to anyone looking for a mortgage broker, especially if you’re a first-time buyer. Thank you so much, Elaine!
11 September 2026
I highly recommend Elaine my mortgage adviser. Throughout what has been quite a long mortgage process, she has been incredibly patient, calm, approachable and professional. She was always quick to respond, persistent in chasing things up and determined to help me get answers whenever they were needed. Her support and reassurance throughout the whole process made such a difference. This morning, I finally received the wonderful news that my mortgage offer has been approved, and I am truly grateful for all her hard work, patience and dedication in helping me get to this point. Thank you so much for your exceptional service. I would happily recommend you to anyone looking for a knowledgeable, reliable and genuinely supportive mortgage adviser.
10 September 2026
Elaine was amazing throughout our whole mortgage experience. Any time we had questions, she would message us back immediately and put our minds at rest. She was extremely knowledgeable about all aspects and knew the answer for all of our worries and questions. Elaine was very personable throughout our experience and was very happy for us when everything was approved. I would highly recommend Elaine.
28 July 2026
I cannot thank Elaine enough for all the work they have put in to help me with my first time buying a property. They took a lot of the stress off of me by organising the mortgage and solicitors, which was a huge help. Elaine kept me up to date throughout the process and was more than happy to answer any questions I had. Thank you again Elaine.
16 July 2026
I don’t normally write reviews, but Elaine truly deserves this. I first discovered Elaine on TikTok, where she shared that NHS bank work could be a positive factor in a mortgage application. That video changed my mindset and made me believe that owning my own home was possible. I reached out to Elaine, and from day one she was kind, patient, approachable, and genuinely supportive. She guided me through every step of the mortgage process, explained everything clearly, and worked hard to secure my mortgage offer. What makes Elaine special is that her support didn’t stop after the offer was received. She continued to check in, provide advice, and go the extra mile. She truly cares about her clients and wants to see them succeed. I am grateful for the role she has played in helping me move closer to achieving my dream of owning a home. If you are looking for a mortgage broker who is knowledgeable, trustworthy, and genuinely cares, I highly recommend Elaine.
16 July 2026