Each lender will have different criteria in regard to what adverse credit they would accept. Our partnership with Click 2 check will allow us to obtain your credit file in these scenarios and place you with lender that best suits your needs. It may still be possible to obtain a mortgage with a 5% or 10% deposit, this will be dependent on the severity of your bad credit and your credit score

Yes. There are now many lenders that would consider your income with either 1-years’ worth of self-assessment or your first year of finalised business accounts. The lender will be looking for any past track record that you have in your field of work and may ask for future projections.

Some lenders would treat you as being employed in this scenario under the CIS scheme. In this instance your affordability would be based on your monthly remittances, and you would need a track record of being in the same line of work. Other lenders would still see you as being self-employed. Even though the company is paying your tax at source, you will still be responsible for doing a tax return at the end of the year.

Yes. This will be dependent on your occupation, how long you have resided in the UK, how long is left on your Visa and what personal deposit you have available. Please speak to one of our experts as there are now lenders that would give you a mortgage with as little as a 5% personal deposit.

Yes, although this will be dependent on how long you have been discharged from the bankruptcy. Generally, the majority of lenders would want you to have been discharged from the bankruptcy for a minimum period of between 3 and 6 years before considering a mortgage.

Yes. Certain lenders would allow your income to be paid in a foreign currency. The lender will assess the mortgage based on your current circumstances, provided the currency is on their approved list. Please speak to one of our advisors to check if you would be in an eligible position.