Direct Line

Adverse Mortgage Team

a rubber stamp of the words access denied

Bad Credit

Mortgage Experts

We specialise in poor credit mortgage applications and focus on sourcing the very best mortgage solutions regardless of adverse credit history.

Can I still get a mortgage with bad credit?

Yes it IS possible. We can get you a mortgage!

Specialists In Our Field

We specialise in complex mortgage cases, including proving income or low income, self-employment, and adverse or low credit scoreapplications.

Based in the city of London, for over 25 years we have helped clients all over the UK who have been refused by their bank or high street lender to obtain mortgages. We help clients on a daily basis who struggle to raise funding, whether that be for a purchase – re-mortgage – buy to let -commercial or first-time buyers. We pride ourselves on getting results for clients who face difficulties obtaining a mortgage in today’s market.

We offer free, no obligation, expert comprehensive advice – every time. We are totally independent and have access to the whole of the UK lending market, including private funders who purely focus and specialise in low income and adverse lending.

Here at Direct Mortgages, we fully appreciate how difficult and daunting this process can be. The anxiety of waiting for lenders to say ‘yes’, and then the frustration of being refused a mortgage time and time again. We can help even if you have been turned down elsewhere!

Lean on our expertise and take advantage of our vast knowledge and years of funding contacts. You are not alone, we will provide you with the guidance required to see your case through fully from start to finish, and can even arrange highly experienced conveyancing solicitors to represent you.

At Direct Mortgages, we guarantee from the moment we receive your instruction of appointment, we will be relentless in the quest to get you the ‘yes’ acceptance you need and your official mortgage offer. We do not use comparable websites, we are direct with banks and funders, with the latest software enabling us to get the very best interest rate deals available in the UK at a touch of a button.

If you need our assistance in getting funding we are more than happy to help. We are available 7 days a week (Saturdays & Sundays 11am – 5pm).


Made Simple

Experts in delivering flexible and tailored finance solutions

Mortgage Calculator



20 years

Your monthly mortgage payment is: £1319.85

Total Interest Payable: £105100.88

Independent Mortgage Brokers


We are dedicated to providing clients with the highest levels of customer satisfaction by identifying their needs and wishes and working to achieve the very best possible resolution

Simply Call

0800 011 3395

Free call 24hr - 7 days a week

Protection &


Total protection for peace of mind

Living Standards

We provide 6 crucial personal and property protection services, tailored to your needs to give you that extra comfort.

Call Free 7 Days a Week

0800 011 3395

About Us

21+ Years Finance & Property Experience

We specialise in complex finance & mortgage services

In the world of finance, it's not just about what we know, it's about who... that's why we get results.

With our wealth of experience stretching over 21 years, we offer specialist advice to source tailored mortgage & insurance solutions for customers, even for the most complicated cases. At Direct mortgages we only deal directly with underwriters and decision makers, therefore no lengthy processing procedures, delays and no middlemen meaning we are in a very unique position to secure funding for complex scenarios where others can’t. We pride ourselves in getting the very best deals for our clients and securing funds quickly.

As a whole of market mortgage broker, Direct Mortgages can smooth out the creases by providing dedicated & informed services to make your mortgage as simple as it can be. We regularly deal with challenging applications as this is what we specialise in and what we do extremely well. With our vast knowledge and experience in this industry, we can secure and deliver bespoke finance results regardless of your status, credit or unusual requirements.

No Completion No Fee

7 Days Sat and Sun 11am-5pm