When it comes to buying a home, some lenders only want to deal only with those who have faultless credit histories, perfect work records and adequate deposits.

But money problems can affect everyone. Adverse credit problems can be linked to a loan default, county court judgements or being a discharged bankrupt.

Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out. Certainly no-one taking out a mortgage wants to see their property repossessed.

However, there is some good news in that some are willing to provide adverse credit mortgages. Deals are unlikely to match standard mortgages; lenders in the adverse credit market – which is also sometimes described as ‘sub-prime’ or ‘non-conforming’ – will charge higher rates.

While the lenders clearly want to keep some degree of separation between their standard and adverse credit divisions, the deals they are offering are less punitive than in the past.

Most lenders will also cut the interest rate if borrowers keep up a good payment record. And, after three years, it may be possible to switch to a standard loan.

Your application will be thoroughly vetted and the interest set according to the risk the lender believes you pose. You may also be subject to redemption penalties, but these should cease to apply after three years.

A mortgage may not be available in all cases, but we’ll always try our best. Why not give us a call today and see how we can help you.

Check My File

As part of your mortgage journey , should this be purchasing or remortgaging, we always advise that you have clear understanding of what is showing on your credit file before making a mortgage application. This can save you time, money and ultimately ensure that you are advised correctly when we are recommending the most relevant lender and product to you.

We recommend Check My File to our clients* as a way to be completely up to date with everything that is on your credit file, it’s the only credit report that checks data from all four credit agencies, this means that you can provide your Zen Broker with information from Experian , Transunion, Equifax and Crediva .

We can then see everything a lender will see when you make an application to them.

30-day free trial which is £14.99 a month thereafter and can be cancelled at any time.

* Neither Zen Mortgages Ltd nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site.

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Working with clients nationally across the UK, our team are happy to speak to you at a time that is most convenient to you. Get in touch to arrange a no-obligation chat with an experienced and qualified specialist.

What Our Clients Say

“Fabulous experience”

We required help with identifying a suitable mortgage product and Zen helped identify not only the right product but also alternative options on how to manage our particular situation.

“10/10 service”

Zen prioritised us and found us a new lender with great rates within our budget really quickly. Their communication has been outstanding throughout with regular emails and calls keeping us in the loop and letting us know as things progress.


Zen gave me loads of excellent advice regarding finding a mortgage. They looked for the best deal for me. They always reply to my queries very quickly. They are very knowledgeable and it has been pleasure having them as my mortgage broker.