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It’s important to know that many clients present some level of adverse credit on their credit report. The great news is, as a mortgage broker in Leeds, we are usually able to help most applicants secure a mortgage despite having bad credit in Leeds. Here are some of the things that we can usually help with:
By conducting a search through high street and specialist mortgage lenders, we can try and find you a bad credit mortgage product in Leeds. Each lender has extensive lending conditions aimed at assisting clients with poor credit to secure mortgages, we are here to help you find the perfect product for your specific circumstances.
Getting a mortgage with bad credit in Leeds can be difficult, but not impossible.
What applicants with bad credit usually don’t consider is the detrimental effect getting declined for a mortgage can have. When applying for a mortgage, if you are declined, it could leave a negative mark on your credit file which can lower your chances further of getting a mortgage in some cases.
As a mortgage broker in Leeds, we can provide our help you find a mortgage product suitable to your specific circumstances, making sure that you are not applying for a product where you will be declined.
Acquiring mortgages with poor credit is a complex process. It’s not simply about finding the most cost-effective interest rate and applying there and then, you have to meet specific criteria.
Some variants of bad credit mortgages in Leeds can be found in the form of County Court Judgments (CCJs), Debt Management Plans (DMPs), defaults, instances of missed or delayed payments, Individual Voluntary Agreements (IVAs), and even bankruptcy.
If you are looking for a bad credit mortgage in Leeds with one of these in your name, it is important to speak with a specialist mortgage advisor in Leeds.
Using a mortgage broker in Leeds could be what you need to find a specialist product tailored to your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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Carol
Excellent service. Great communication, always available even outside of office hours staff very friendly and helpful. Very efficient and offered great advice. Would highly recommend them.
1 day ago
Michelle
Leo was amazing and found a great deal for me which met all my requirements. I would 100% recommend.
2 weeks ago
Joseph
Leo & his team have been very helpful and explained everything in great detail so I could understand. 100% recommend!
3 months ago
Luke
Malcolm, Louise, and team were great - helped me with a slightly more complex situation and were on hand every step of the way. Great service and would definiitely recommend!
3 months ago
Satvinder
They have been responsive, profesional and commmitted from the start of the first conversation. I would recommend them to anyone wants a highly personal service with real expertise in the mrket.
3 months ago
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Both Dinah and Lewis were super helpful when I was applying for my mortgage. They gave clear and easy to understand advice and kept me updated on the process. Would definitely recommend.
4 months ago
Joe
Fantastic service. I dealt with Charlie 5 years ago for my first mortgage and Dan again for my remortgage recently. Always on the ball, friendly and knowledgeable.
4 months ago
Connor
Excellent service. Have responded instantly to any of my emails and questions and helped guide someone who knows absolutely nothing through the whole process. Despite having a tricky scenario other lenders denied they got me sorted out far quicker...
6 months ago
Luke
Malcolm, Stacey & Team were fantastic throughout the process. Their communication is clear, friendly, and they provide regular updates during a stressful period. The application was dealt with professionally and I would definitely recommend their...
6 months ago
Anonymous
Helpful and knowledgable.
6 months ago
Kirk
Used Leeds moneyman a couple of times now. Service levels have been great each time, securing a good rate and helping me through the process. The fee is worth every penny and I wont hesitate to use them again in the future. Thanks for Chris, Jo and...
7 months ago
Mr Devmith
Daniel was very knowledgeable, friendly and took the time to speak with me and take my point of view into consideration as well. Definitely a return customer!
7 months ago
Joan
Great service
8 months ago
Anonymous
Great company, I have been working with them across many years fo me two properties (a residential mortgage and a buy-to-let), remortgaging many times and always getting sensible advice. In the end they save you a lot of money and time.
8 months ago
Anonymous
Really listened and understood what I needed from my insurance, and did a good job finding something aligned with my price point. I felt they had an in-depth understanding of the market, and used this information to provide me with a tailored...
8 months ago
Mr James
Daniel was brilliant start to finish. Professional, thorough and most of all very patient and accommodating. Reassured me all the way and ensured I'll 100% be using his services again. I hope his hard work is appreciated in the company, thanks very...
9 months ago
Kelly
Best company to use!! Tom and stacey have been amazing! Has a first time buyer I wasn't sure of much of the mortgage process. Tom explained everything to me in terms I would understand and has been great in keeping me up to date. Stacey has carried...
9 months ago
Anna
Chris has been absolutely fantastic walking us through the process of buying our home as clueless first time buyers! All questions were answered promptly and we were able to have evening meetings with him to work around our working hours. Chris has...
9 months ago
James
Extremely helpful and informative
9 months ago
Anonymous
Answered all my questions and very worry free
9 months ago
When attending your free initial mortgage appointment in Leeds, it’s necessary to mention specifics regarding your earnings and outgoings to evaluate your financial capability.
You will also need to tell us about any credit problems you currently have or have had in the past. These are likely to show on your credit file, but it’s better to tell us from the start.
Despite the limitations that bad credit may pose, our aim is to search through 1000s of deals to locate the perfect deal for your situation.
Whilst we do this we can also secure an Agreement in Principle (AIP) for you. This document is important when making an offer on any properties as it shows that you have been pre-approved with the mortgage lender.
If you are happy with the mortgage product we have picked out for you, we can begin advancing to the mortgage application stage of the process.
From this point, you will be paired with one of our case managers who will be right by your side through the remainder of your journey. They will make sure that you have all of the correct documentation attached to your application before sending it off.
After you have sent off your mortgage application, all that is left to do is to await the good news from the mortgage lender.
Here your mortgage advisor in Leeds will also recommend insurances to ensure financial protection for you and your loved ones in a situation where you pass away or are unable to work. You do not have to take out insurance alongside your mortgage, but we always recommend it.
Getting bad credit mortgage advice in Leeds has never been easier!
Every customer can benefit from a free initial mortgage appointment by simply booking online or giving our team a call. We would love to try and help you get a mortgage in your bad credit situation.
As a mortgage broker in Leeds, we hold strong relationships with a variety of mortgage lenders, all of whom have 1000s of mortgage products on their panel.
We aim to find the most suitable bad credit mortgage solution tailored perfectly to the personal and financial situation.
As a responsive and experienced mortgage broker in Leeds, we’re dedicated to assisting you every step of the way through your mortgage journey by offering clear and transparent mortgage advice.
Get in touch with us and schedule your free initial mortgage appointment with a bad credit mortgage advisor in Leeds.
Our team are available 7 days a week to make sure that you are able to contact us at a time that suits you.
We know that everyone is busy, so we’ve tried to make sure that we available outside of working hours. This also includes most bank holidays.
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Leedsmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leedsmoneyman 2009–2026
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Leedsmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Leedsmoneyman 2009–2026
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