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Poor Credit Mortgages

Struggling with Past CCJs, Arrears, or Defaults? We Can Help You Secure Your Mortgage

We understand how stressful financial challenges like CCJs, arrears, or defaults can be—especially when they stand in the way of securing a mortgage. But the truth is, you’re not alone. In fact, it’s far more common than you may think. According to the Registry Trust, during Q2 of 2024 alone, over 300,000 new County Court Judgments (CCJs) were issued in the UK, highlighting just how many people are affected by financial bumps along the way.

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At Richard Jennings Mortgage Services, we believe that your past doesn’t define your future. With over 20 years of experience, countless 5-star reviews, and multiple industry awards, we’ve helped many people just like you overcome financial hurdles and find the right mortgage.

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Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Whole-of-Market Mortgage Broker with Access to Specialist Lenders

We are a whole-of-market mortgage broker, which means we have access to over 90 banks and building societies, including specialist lenders who understand complex credit histories. Some of these lenders are only available through brokers like us, giving you options that wouldn’t be accessible through high street banks.

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Our extensive knowledge of the market, combined with our expertise in bad credit mortgages, enables us to find tailored solutions for clients with adverse credit. Whether you’ve faced missed payments, CCJs, or defaults, we can help you navigate the complexities and secure the mortgage you need.

A Non-Judgemental, Empathetic Approach

We understand that life can be unpredictable, and financial difficulties don’t make you any less deserving of a home. Our team takes a compassionate, non-judgemental approach to every situation. We’re here to listen, offer advice, and use our knowledge to help you find the best possible mortgage option for your unique circumstances.

Why Choose Us?

  • 20+ years of experience in the mortgage and protection industry

  • Countless 5-star reviews from satisfied clients

  • Award-winning service and dedication to customer care

  • Access to specialist lenders and exclusive mortgage products

  • Local, independent, and committed to helping the community

Let Us Help You Take the Next Step

You don’t need to face this journey alone.

 

At Richard Jennings Mortgage Services, we’ve helped many people with similar credit challenges secure mortgages and take the next step toward owning their dream homes.

 

Let’s talk about your options—reach out today, and let us guide you every step of the way.

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