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         Looking for a bad credit mortgage?
         
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     * * Bad Credit Mortgage
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     * * Bad Credit Mortgage Help & Advice
       * Coronavirus (COVID-19) and Bad Credit Mortgages
       * Can I Get A Mortgage with Bad Credit
       * Remortgage Vs Second Charge Mortgage
       * Buy to Let Mortgage with Bad Credit
       * Online Bad Credit Mortgage Calculator
     * * Understanding Your Credit Report
       * Improve Your Credit Rating
       * Using Your Home To Raise Capital
       * Getting a Mortgage After Repossession
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     * * Joint Mortgage with Bad Credit
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       * Bad Credit Mortgage FAQs
       * Mortgage Declined - What Next?
       * Adverse Credit Mortgage Glossary
       * Low Deposit Mortgages For Bad Credit
       * Bad Credit Mortgage Lenders
       * Missed Mortgage Payment Guide
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 * About Us
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01245 943127
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01245 943127
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 * Why Choose Us?
 * Do You Qualify?
 * Book A Call Back

Call For A Quote
01245 943127
01245 943127

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 * Why Choose Us?
 * Do You Qualify?
 * Book A Call Back

01245 943127

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 * Why Choose Us?
 * Do You Qualify?
 * Book A Call Back


HOW TO GET A MORTGAGE WITH BAD CREDIT? WE CAN HELP.


EVEN AFTER A CCJ, DEFAULT, MISSED PAYMENT, DMP, IVA OR EX-BANKRUPTCY.

Exclusive Rates | Open Mon-Sun | Max 95% LTV


FIND OUT IF YOU QUALIFY TODAY



TAKE OUR ONLINE QUIZ >>



Takes less than 2 minutes. No credit check.


4.95 Average - Based on 3223 Reviews


*95% Max LTV. IVAs or Ex-bankruptcy 85% Max LTV



Mortgage rates are changing. Find out if you qualify for the best deals today.


READ OUR LATEST REVIEWS

4.95 Average - Based on 3223 Reviews
 * Claire L.
   Truly efficient service provided by Simply Lending from start to finish with
   our remortgage process. Highly recommend. I wouldn’t use anyone else now.
   Communication has been great, we have been kept updated every step of the
   process.
   read moreread less
   25/03/2024
   
   Deborah S.
   Thank you to Simon and Kerry for sorting our mortgage, really impressed.
   read moreread less
   23/03/2024
   
   Anonymous
   Fantastic service all round!
   read moreread less
   22/03/2024
   
 * Ramil S.
   All the staff ive dealt with were fantastic. They help us until completion.
   read moreread less
   20/03/2024
   
   Stephanie M.
   We couldn’t be more happy with the service we have received from Simply
   Adverse, especially Jamie and Tia! They went above and beyond for us,
   communication was brilliant and we were kept up to date every step of the
   way. Would highly recommend!
   read moreread less
   19/03/2024
   
   Megan R.
   Caroline and Pedro have been a dream. They’ve helped me and my partner, who
   are first time buyers, through the whole process and managed to secure us a
   mortgage for our dream house. They have been super patient with us with our
   many questions and collating of documents ready for applications. Super
   friendly and welcoming. We never felt like we couldn’t come to them. Louise
   our Case Manager has also always been on hand for additional support,
   ensuring that we are up to date and guiding us through our paperwork. We are
   very grateful for everyone’s help and support, and hope that Caroline and
   Pedro get to take the family to Japan some day! Thanks all 😊
   read moreread less
   18/03/2024
   
 * Simon H.
   Very helpful throughout the whole process we were provided with constant
   updates and being first time buyers and having no idea about the process this
   was very helpful
   read moreread less
   18/03/2024
   
   Keith S.
   Simon Osborne has held my hand all the way through this process with patience
   and understanding and then got the correct mortgage. The problems I faced due
   to a past/historical, adverse credit rating he tackled and even when my chain
   collapsed he stuck with me until we finally got the formal offer ready to
   move into our new house. Both Kerry Bates as a case manager and Simon
   throughout have been great.
   read moreread less
   14/03/2024
   
   Narender P.
   Adverse Simply stands out as the top-tier mortgage broker. Their exceptional
   professionalism and client-centric approach are truly impressive and
   refreshing. They efficiently assisted me in securing a mortgage. Lilly and
   Max excelled in both knowledge and customer care, making the entire
   experience outstanding.
   read moreread less
   13/03/2024
   
 * Stuart C.
   After getting in touch and speaking with Adrian, the whole process has been
   very smooth and it has really taken away a lot of the stress taht comes with
   being first time buyers. During the initial stages, Adrian was friendly,
   professional and clear. Any queries I had were immediately answered. Going
   through the application stage after our DIP, Max was a massive help and has
   kept us up to date with every step of the application process. The turnaround
   from getting a decision in principle to our mortgage offer was very quick and
   it is a testament to how well Simply Adverse work. Thank you both - we are
   incredibly happy with the service provided.
   read moreread less
   13/03/2024
   
   Narend P.
   Excellent service. Great customer service and customer care. They understood
   the requirements very well and tailored their solution accordingly. I am very
   impressed with their professionalism, industry knowledge and quick
   turnaround.
   read moreread less
   13/03/2024
   
   Aimee
   These guys are amazing ! We have used them.twice now and they couldn't be
   more helpful and there for you every step of the way. Thankyou to zoe and
   aimee for all your help you are fantastic !!
   read moreread less
   08/03/2024
   
 * Robert M.
   Great service highly recommend
   read moreread less
   06/03/2024
   
   Stephen
   Very happy with the speed they were able to help me remortgage.
   read moreread less
   05/03/2024
   
   Spencer
   The team at simply were outstanding they listen to your needs help you
   through the applications. It was an easy process they did all the work. Very
   professional they know all the systems and get a great deal to match your
   needs. I would like to give Lilly & Zoe a special thankyou for there
   exceptional hard work.
   read moreread less
   28/02/2024
   
 * Alexander O.
   I am grateful for the professional and excellent service that the whole team
   provided us in helping us with a successful remortgage application. Max was
   very helpful and professional, and we remain grateful to Max and the whole
   team. I would definitely recommend their services.
   read moreread less
   28/02/2024
   
   louis
   So, we had Aime as our advisor, words can’t express how much she has helped
   us, she has been at our side from day one, no matter how many questions we
   had she was always on the end of the phone and email. We are first time
   buyers so have no clue of mortgage talk, Aime never made us feel silly for
   asking basic stuff, she is able to break things down to human talk. I
   couldn’t recommend Aime or the company more. It’s a shame we won’t get to
   talk to her as often now we have our home. Buy a house with Aime at your
   side, you’re in safe hands. We love her.
   read moreread less
   26/02/2024
   
   Nicola
   Big thanks to Henri, Liz and all other team members who assisted me in the
   mortgage application process as a first time buyer. I will be recommending
   Simply to my friends and family. The staff at Simply made this process a
   breeze !
   read moreread less
   26/02/2024
   
 * Steven M.
   Simon and Kerry were amazing with helping us get our first mortgage! Great
   company very friendly and very helpful!
   read moreread less
   26/02/2024
   
   Just P.
   Excellent service. Have excellent knowledge regarding different types of
   mortgages. Highly recommended.
   read moreread less
   23/02/2024
   
   Andrew H.
   Required additional borrowing and existing lending unwilling to help.
   Caroline and her team managed to place a deal at a great rate. Once a
   provisional agreement was obtained Jackie manage the process right through to
   the day money was received, held our hands all the way - THANK YOU Ladies
   read moreread less
   23/02/2024
   
 * Nicole C.
   We cannot thank Caroline, Jackie, Pedro and the team at Simply Lending
   enough!! They truly went above and beyond to help us with our mortgage
   application for our first home. As first time buyers, we really appreciated
   all the time and support they gave us with understanding the journey and
   processes that follow - the teams attentiveness, professionalism and
   communication throughout made what could have been a really stressful
   situation an enjoyable one. They exceeded all expectations, were there for us
   whenever we needed and ensured all matters were addressed extremely quickly.
   The customer service at Simply Lending is one of the best we have ever
   experienced and would recommend highly to everyone! We will certainly be
   using Simply again in the future. Thank you again to Caroline, Jackie and
   Pedro for your help!
   read moreread less
   22/02/2024
   
   Carol
   Amazing, person centered friendly and caring service. 5 stars every time and
   I have already recommended them to friends. Not once was I made to feel silly
   asking questions, everything was fully explained and they genuinely want to
   help you get the right product for you.
   read moreread less
   21/02/2024
   
   Christine F.
   Amazing company! They have supported me on a number of occasions with some
   reviewing of financial products and they have been highly professional, with
   attention to detail as well as care and keeping you in mind. I am very
   grateful for their advice and support. Could not wish for better! Thank you!
   read moreread less
   21/02/2024
   
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6 GREAT REASONS TO CHOOSE SIMPLY ADVERSE


NO UPFRONT FEE

Our broker fee is agreed in advance and only becomes payable when the mortgage
is officially agreed by the lender. 


ADVERSE IS ALL WE DO

Unlike your typical mortgage broker, all our advisors are focused solely on
securing mortgages for clients with bad credit. In short, we know this market.


WHOLE OF MARKET

We’re a whole of market broker. Which means you get access to every deal
currently available. Including those from niche lenders.


ACCESS TO EXCLUSIVE RATES

With access to every adverse friendly lender, we can often secure you exclusive
rates you won’t find on the high street.


FIRST CLASS SUPPORT

Our experienced admin team are always on hand to answer your questions and keep
you updated throughout.  So you’ll always know what’s happening.


GLOWING REVIEWS

We have thousands of independently verified 5 star reviews on Trustpilot &
Reviews.io from delighted clients. Find out why our customers rave about us.

CALL 01245 943127 FOR A FREE QUOTE

Lines Open: Mon-Fri 9am-10pm and Sat/Sun 9am-5pm. Alternatively request a call
back at a time convenient to you.


Do You Qualify?

Find out. It only takes 2 minutes.




ABOUT SIMPLYADVERSE.CO.UK

In simple terms, SimplyAdverse.co.uk are a national mortgage broker specialising
in sourcing mortgages for people with bad credit.

We realised there are hardly any brokers who specialise in this ever-changing
market and that your chances of finding a competitive mortgage are affected
immensely by the broker you speak to.  It became our mission to understand this
unique section of the mortgage market and become the UK’s leading bad credit
mortgage broker.

Helping clients throughout the UK, we have purposely customized our service for
those with damaged or impaired credit. This decisive approach increases your
chances of getting the best mortgage for your personal circumstances.


OUR GOAL HAS ALWAYS BEEN THE SAME

To meet the following objectives:

 * Advise you as quickly as possible if you can get a mortgage
 * Achieve the most competitive bad credit mortgage deals
 * Provide a simple process to follow should you wish to take advantage of our
   unrivalled service

Because of our drive and determination to achieve these objectives, we have
helped hundreds of clients secure mortgages and remortgages, often when they
have been declined elsewhere.

CALL 01245 943127 FOR A FREE QUOTE

Lines Open: Mon-Fri 9am-10pm and Sat/Sun 9am-5pm. Alternatively request a call
back at a time convenient to you.


Do You Qualify?

Find out. It only takes 2 minutes.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Book a call-back – Tell us when to call
Know If You Qualify in 1 min – Take The Quiz
Click To Call (Mon-Fri 9am-10pm, Sat-Sun 9am-5pm)
Know If You Qualify in 1 min – Take The Quiz
Click To Call (Mon-Fri 9am-10pm, Sat-Sun 9am-5pm)


WHAT YOU WILL PAY FOR OUR SERVICES AND WHEN – MORTGAGE ADVICE

This fee is for advice, research, recommendation and implementation (e.g.
application, administration of arranging the loan). We will also be paid by
commission from the lender.

Our broker fee is £1995 which is payable upon receipt of your mortgage offer.
You may have the option to pay the broker fee upon completion for remortgage
applications only, the broker fee for this would be £2495.

Our fee is only payable upon receipt of your mortgage offer, we do not charge
any upfront fee for identification of any potential solutions.


LEGAL INFORMATION

Simply Adverse is a trading style of Simply Investment Ltd. Simply Investment
Limited is an Appointed Representative of Simply Lending Solutions Ltd who are
authorised and regulated by the Financial Conduct Authority FSR Number 745164.

The guidance and/or advice contained within this website is subject to the UK
regulatory regime, and is therefore targeted at consumers based in the UK.

Simply Investment Ltd. Registered in England and Wales Company no: 06528590.
Registered Office: Unit 15, Runwell Hall Farmhouse, Hoe Lane, Rettendon Common,
Essex, England, CM3 8DQ.

Simply Adverse
15 Runwell Hall Farmhouse
Hoe Lane
Rettendon
Chelmsford
Essex
CM3 8DQ

Email: info@simplyadverse.co.uk
Tel: 01245 943127

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Bad Credit Mortgage Help and Advice

Bad Credit Mortgage Help & Advice
Remortgage Or Second Charge Mortgage
Second Mortgage With Bad Credit
Getting A Mortgage With DMP
Getting A Mortgage With IVA
Getting A Mortgage With Defaults
How To Raise Capital From Property
Can You Get a Mortgage after Repossession?
How to Improve Your Credit Rating
Understanding Your Credit Report
Bad Credit Mortgage Lenders Guide
Getting a Mortgage With A Low Deposit
Types of Bad Credit Mortgage
How To Get A Mortgage With Bad Credit
Getting A Joint Mortgage With Bad Credit
Buy To Let Mortgages With Bad Credit
Adverse Credit Mortgage Glossary
Bad Credit Mortgage Online Quiz
Bad Credit Mortgage Frequently Asked Questions
Bad Credit Self-Employed Mortgage
Right To Buy Mortgage With Bad Credit
Coronavirus & Bad Credit Mortgages
Missed Mortgage Payment Guide

Disclaimer

All content on the Simply Adverse website is believed to be accurate at the time
of publication. However, this is a fast-moving sector and lender criteria and
policies change regularly. For this reason, we always recommend that you speak
to one of our brokers for the most up to date information.

Articles can only ever provide general information and do not constitute
financial advice. Our mortgage brokers are fully regulated by the Financial
Conduct Authority, and it is only by speaking to them that you will receive
advice and information tailored to your individual circumstances. Your home may
be repossessed if you do not keep up with repayments on your mortgage.

You should always think carefully, and seek professional advice, before securing
other debts against your home or releasing equity from your home.

Complaints

In the event of a complaint, please contact Simply Lending Solutions Limited who
are our Principal firm and are therefore responsible for investigating any
complaints made against us. They can be contacted either in writing, by email or
by phone. For contact details and to read the complaints procedure, click here.

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