Securing a mortgage with a low or damaged credit score can feel impossible, especially when high-street banks rely on automated credit scoring that rejects you before anyone hears your story.
Clark Mortgages works differently. Based in Chester and Cheshire and supporting clients nationwide, we use whole-of-market access to connect you with specialist lenders who manually assess your situation and look at the bigger picture.
Whether you’ve faced missed payments, a CCJ, an IVA, bankruptcy, or simply a thin credit file, we provide clear, jargon-free guidance and a fully managed process designed to reduce stress and maximise your chances of approval. With over 160 five-star reviews and a unique Application Guarantee that refunds your broker fee if we cannot secure a mortgage after a full application, you’re protected every step of the way.
People come to us with all kinds of credit histories – and we build solutions around their real circumstances. We regularly help:
Getting a mortgage with adverse credit doesn’t need to feel overwhelming. Our four-step process keeps everything clear, calm, and fully managed:
We start with a free consultation to understand your goals, credit history, income, and deposit position. “Let’s understand your needs.
We compare whole-of-market lenders, including specialist adverse credit lenders not available directly to the public, to find the right fit for your circumstances.
We handle the paperwork, prepare your case for manual underwriting, and manage communication with lenders to maximise approval chances. “The team manages the paperwork, ensures accuracy, and handles submission.
We support you through completion and stay with you long-term, helping with future remortgages, refinancing, or credit-repair strategies.
Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Many lenders struggle when bad credit overlaps with non-standard income. We specialise in these multi-layered scenarios.
We help with:
If you’ve come through a major debt event, you’re not alone – and it doesn’t mean homeownership is off the table.
We support:
Even with a 5–10% deposit, specialist lenders may still consider your application – especially when supported by manual underwriting.
We help with:
If you’ve already been told “no,” we can often turn things around.
We support:
Yes – depending on when the CCJ/default occurred, whether it’s settled, and your overall financial profile. Many specialist lenders accept applicants with active or historic CCJs.
Most credit marks remain for six years, while bankruptcy can remain for up to ten years depending on the reporting agency.
Specialist lenders may accept deposits from 5–10%, though some cases require 15–25% depending on severity of credit issues.
Rates are typically higher due to perceived risk, but many clients later refinance onto cheaper mainstream deals once their credit improves.
Most specialist lenders require a hard check, though some offer soft-search options during initial assessment.
Yes – manual underwriting is ideal for self-employed applicants with irregular or complex income structures.
Clear, supportive guidance – even when banks say no.
Disclaimer – Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Consolidating existing debts may increase the total amount payable.
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18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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