Don’t let your credit past dictate your mortgage future

The mortgage process for those with adverse credit is very specialised, requiring a thorough understanding of the clients finances as well as up to date product knowledge.


At Hello Mortgage we have a specialist team who can help those with a couple of missed payments right through to discharged bankrupts.


The mortgage products available are technically the same as standard mortgage products. The main difference is the way they are assessed; some lenders do not credit score and instead manually assess each application individually.

If you already have a mortgage but would like to consolidate your debt, a bad credit re-mortgage could be an option.


As this is a very specialist field you should speak with one our specialist team prior to making any decisions or keying your details into price comparison sites as this can often cause more damage than good.

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How can Hello Mortgage help?

Hello Mortgage are specialists in providing mortgages, re-mortages and secured loans to those who have past or current adverse credit via our subprime mortgage and bad credit team.


With access to a number of specalist bad credit mortgage lenders who assess each case on its merit rather than a credit score, we could source you a mortgage.


If you need a bad credit mortgage we can help. Each mortgage is assessed on an individual basis, but please note that as a minimum requirement, you will need to provide a deposit of at least 15% of the property value to be considered for these mortgages.


The application process for a bad credit mortgage or adverse credit mortgage can be more complicated.  The range of products depending on your credit past can also be limited.  Working with a broker who understands this market can be key to getting an acceptance.

FCA authorised

We are authorised and regulated by the Financial Conduct Authority

Trained & Qualified

Our team are trained and qualified professionals, for added peace of mind

Customer focused

We believe exceptional customer service is what sets us apart

Our specialist Bad Credit team can:


Access market leading rates with reputable lenders

Help with LTV’s up to 85%

Help you with debt consolidation to clear existing bad credit

Help you if you are in a DMP, IVA or are a discharged bankrupt

Source you a re-mortgage or help first time buyers

Help you if you are looking to purchase a Buy To Let


Hello Mortgage Limited is registered in England and Wales. Registered Office: Suite 20, Cookson House, River Drive, South Shields, Tyne & Wear, NE33 1TL. Company Number: 10414170. DPA number ZA332902


Hello Mortgage Limited is an Appointed Representative of MyInfinity Finance  Limited which is authorised and regulated by the Financial Conduct Authority 672182.

VAT Reg no: 347344491


© 2021 Hello Mortgage Limited - All Rights Reserved


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