Free, plain-English, no sales pitch
Been told you are unmortgageable? You probably have more options than you think.
A refusal from one bank is not the end of the road. We help you understand what your credit, income or property means to lenders, then point you to the specialist route worth exploring next.
- No cold calls
- No data selling
- Education, not a lender or broker
Where do you feel stuck?
Four things make most people unmortgageable
Usually it comes down to your credit, your income, the property itself, or the size of your deposit. Start with the one that sounds like you.
Adverse credit
CCJs, defaults, missed payments or a low score.
Read the guideComplex income
Self-employed, contractor, day rate or company profit.
Read the guideThe property
Non-standard construction, cladding, short lease or flat above a shop.
Read the guideA small deposit
Low deposit routes, shared ownership and family support.
Read the guideHow it works
Three steps, no pressure
- 01
Tell us your situation
Answer a few plain questions about your credit, income, property and deposit. It takes about a minute and needs no contact details to see your result.
- 02
See what it means
We explain in plain English what lenders tend to make of your circumstances, and which part is the real sticking point.
- 03
Explore your options
Read the guides that fit you, learn the terms, and see the specialist routes worth taking to an FCA-authorised broker.
Guides
Start reading
Getting a mortgage with adverse credit
What CCJs, defaults, missed payments and bankruptcy mean for a mortgage, how long they last, and how specialist lenders weigh recency against severity.
PropertyMortgages on non-standard property
Why non-standard construction, cladding, short leases and unusual homes worry lenders, and the routes that still work when the property is the problem.
PracticalMortgage declined after an agreement in principle
Why an agreement in principle can still be declined at full underwriting, the usual causes, and the specific next step for each one.
Straight with you
What we are, and what we are not
We built this because being told no, with no explanation, is a horrible place to be. Here is exactly where we stand.
- We explain your options in plain English, for free.
- We point you towards specialist, FCA-authorised brokers.
- We are not a lender or a mortgage broker.
- We are not authorised by the Financial Conduct Authority, and nothing here is financial advice.
Free situation check
Not sure where you stand?
Answer a few plain questions about your credit, income or property. In about a minute you will see what the market usually looks like for people in your situation, and the routes worth exploring next.
No cold calls. No data selling. No contact details until you ask us to help.