People with adverse credit

We help people with adverse credit ratings to get a mortgage

We help lots of people who’ve been turned down for a mortgage due to adverse credit. Very often, it’s not because you can’t get a mortgage, it’s because your adviser doesn’t have access to the ones that will suit you.

An adverse credit rating might be the result of a County Court Judgment (CCJ), an individual voluntary arrangement (IVAs), a missed payment or simply exceeding your credit limit by a nominal amount.

Whatever the cause, we have access to every available mortgage lender, including specialist lenders. Because of this, we can guarantee that we’ll find the best possible deal for your needs and circumstances. And, as with all of our advice services, we will charge a fair and transparent fee for finding and processing your mortgage.

We’ll also help you to find insurance which will pay off your mortgage, should the worst happen to you or a family member.

Please note: As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.


Buying my first property I was a little apprehensive and unsure of where and what to do, when it came to the mortgage and finances. Anil helped me through every step, answered all my questions and gave me solid advice and I cannot thank him and the team enough.

Kail Hogan

A client since 2015


Anil has helped me with 3 mortgages now, a commercial mortgage, residential mortgage and buy to let. I would highly recommend Future Planning, I have always had excellent advice and couldn't Thank them enough.

James Matthews

A client since 2017


Sian Hewson was really helpful when I was looking for a new mortgage. She was fair and honest, and kept in touch at every stage of the process. She sorted all the paperwork quickly, and I know she worked hard to get the best deal for me.

Rebecca Evans

A client since 2017


Sian was great - couldn't recommend her higher. Great people skills, went out of her way to help and very knowledgeable. 5 stars!

Joe Campbell

A client since 2019


Sian is totally amazing and exceeded all our expectations - as always. Not only has she managed to arrange a standard purchase buy, on top of this, a buy to let bridging loan for the time period required.

Sarah Leahy

A client since 2014


Our third mortgage with Future Planning. Each time, the process has been faster and easier. Their knowledge and expertise have been outstanding with extremely attentive advisors and admin team there’s not a single question we asked they didn’t have extensive experience in.

Martin Morris

A client since 2013


Sian was an absolute star from the beginning. Conscientious, polite and utterly professional, Sian was a pleasure to work with. I cannot praise her enough; fully recommended to anyone looking for home insurance, mortgage renewal and life insurance.

Robyn Pearson

A client since 2019


Diligent, committed and highly professional. In the face of repeatedly underwhelming performances from the other ‘experts’ involved in our sale and purchase; Sian stood out as the only one that could be relied upon to deliver against the timelines we were held to.

David Stevens

A client since 18.06.19


Friendly, efficient and easy mortgage application process, despite hiccups with bank statements and amended purchase details. Sian tackled it all with patience and good humour and kept me abreast of everything at all stages. Highly recommend.

Mark Brown

A client since 2019


Sian took what could have been a very stressful situation and guided us very smoothly through the entire process. Sian was always available and responsive, either via email or telephone.

Matthew Croston

A client since 2018

Have a question?

Get in touch with us

Talk to us about your financial future. Complete the form below and we’ll be in touch.