Our Customers rate us 4.6 out of 5
Getting your mortgage doesn’t have to be scary.
When the bank says no, we help you find another way.
Clear. Honest. Helpful.
97% of cases we assess still have options.
We are what MORTGAGE award 2025 nominees!
When The Bank Says No is working closely with leading providers...
Our Process really is that simple...
We’ll chat about your dream home and any hurdles you’ve encountered so far.
Working out what it is you need from a mortgage, we’ll assess your options.
Together we’ll find the best mortgage deal for you and get you accepted!
Has the bank said no?
We are here to support you and help you on your journey to becoming a home owner or property owner. Whether you have bad credit, or are just overwhelmed by the process, we can provide you with independent mortgage advice, information and tools to make you more attractive to banks and other lenders and boost your chances of success in your next application!
We believe that getting a mortgage shouldn’t be a daunting and challenging process and that you should be able to achieve your property-owning dreams, whether that’s as a first-time buyer or property investor. As whole of market mortgage brokers, we can access suitable mortgage deals that aren’t readily available on the high street.
Useful links to begin your Mortgage Journey
MOST POPULAR
Bridging Finance Brokers
When you need to bridge a gap in your finances, we are there to find suitable finance options for you.
MOST POPULAR
Bad Credit Mortgages
When your credit record isn’t the best and you’re struggling to find a lender, we can step in so you don’t miss out on your dream home.
Buy-To-Let
Need help navigating buy-to-let mortgages? With our help we’ll make it easier than you think, even if you have bad credit.
NEW SERVICE
Remortgaging
Remortgaging doesn’t have to be tricky, whether you are looking to remortgage to consolidate debt, buy another property or finance home improvements.
We can help you work towards your dream home, today
Turning Your Nightmares Into Dreams
When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist mortgage lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.
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What Our customers say about us
Our Customers rank us 4.6 out of 5
We feel so fortunate to have found WTBSN
We found WTBSN after landing in a really tricky situation. We were out of term on our current mortgage and our existing broker had exhausted all options to re-mortgage due to the complex nature of our holiday let property (Grade II listed, timber frame construction and above commercial). Working under considerable time pressure due to the financial penalties being imposed by the existing lender, Brian was relentless in his search for a solution that would allow us to refinance a property that was on face value mortgageable. Thankfully, he didn’t give up and nine months later, we completed on the re-finance. We feel so fortunate to have found WTBSN and would like to thank Brian and the team sincerely for going the extra mile. We couldn’t have done it without you!
Rachel Reeves
Simply the best
I will never use another mortgage broker in all my time In property, these guys are the best at communication, customer service and keeping you informed. They are a level above every other broker I’ve come across and they actually get things done.
Emma, Samantha & Ashley have been fantastic in assisting me with 2 mortgages now and they’re superb at what they do. I wouldn’t hesitate to reccommend them to anybody out there who needs a mortgage sorting.
John Burton
I have been dealing with ben
I have been dealing with Ben @ When The Bank Says No. He has been great!! Professional, kept us up to date the whole way and made the entire process so simple. I would most definitely use him again and have already passed his details on to a family member. Thank you for all your help.
Elise
Thank you for your amazing support
Thank you for your amazing support and service during a really difficult time in my life. 5* is just not enough to demonstrate the level of support received. These guys go above and beyond. A personal service, with kindness and compassion. I highly recommend. If you’re struggling with your mortgage, then have a chat to this team. I cannot thank them enough for everything they have done.
Nabila Fowles-Gutierrez
Reasons High street banks Could reject:
- Poor credit history.
- Previous defaults.
- Missed or late payments.
- Previous CCJs, IVAs or Bankruptcy.
- Irregular income.
When The Bank Says No Will:
- Provide expert mortgage advice.
- Find the best mortgage deals for you.
- Access specialist lenders more willing to help you.
- Help you even if you've previously been rejected.
- Speak to you in terms you understand.
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Buy-to-let isn’t finished. But it isn’t straightforward either. What’s happening in 2026 sits somewhere in the middle. The market hasn’t collapsed, but it has stopped...
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Bridging finance is often used when timing matters more than anything else. Whether a deal is already in motion, an exit has shifted, or a...
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When The Bank Says No has been highly commended in two categories at the what MORTGAGE Awards 2025 in both the Best Broker Website and...
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When The Bank Says No has been announced as the first firm to join the inaugural Habito Accelerator programme that aims to help support and...
See what you could borrow:
Frequently Asked Mortgage Questions
Will I be able to get a mortgage with poor credit?
A mortgage is a loan that you take out, secured against your property. As with many loans, your credit history may be used to determine your risk level. If you have bad credit history, including missed mortgage payments, defaults on mortgage debt and other loans, CCJs, IVAs etc, you will be viewed by certain lenders as more risky to lend to, as there is evidence of previous mishandling of loans. However, this does not mean you will not be able to get a suitable mortgage!
How can a mortgage advisor help me?
Mortgage advisors have extensive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive UK market knowledge and experience, mortgage advisors can help you through the entire process and get you the best deal according to your individual circumstances. Use a mortgage broker and in many cases, unlike your own bank which is usually only able to recommend their own limited product range, brokers have access to the entire market, so will be able to access mortgage deals you can’t find yourself!
Our expert mortgage advisors at When The Bank Says No can not only scour the whole mortgage market for the right deal, we also help those in adverse situations achieve their dreams. We take a human approach to mortgages, listening to and understanding your individual circumstances, whether that be bad credit, declined mortgages, or more, ultimately helping you reach your goal of becoming a home or property owner.
I’ve been rejected for a mortgage before, should I keep applying?
Being rejected for a mortgage may feel disappointing, but you don’t need to be defeated. Your credit file will show you’ve applied for mortgages, but not whether it was accepted or rejected. With each mortgage application, you will be left with a hard search on your record, which can result in a bad credit score and make access to loans with reasonable mortgage rates and deposit requirements difficult.
If you’ve been declined a mortgage and don’t know what your next steps should be, talk to us! An independent mortgage broker from our team can help guide you through the application process, ensure you make informed decisions, help you access the best mortgage rates for your financial circumstances, and give you the best chance of mortgage success.
How much can I borrow for my mortgage?
There’s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amounts. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income (including an assessment of mortgage affordability based on your incomings and expenditure).
A simple mortgage calculator can give you an indication of how much you might be able to borrow based on your annual gross income and the size of deposit you have available. However, the mortgage calculator will only estimate the amount you might be able to borrow and not how much the loan will actually cost. A mortgage broker acting on your behalf will help find the most suitable mortgage deals for you and your circumstances.
Does a bad credit mortgage cost more?
Although the answer to this question has traditionally been ‘yes’, this does not need to be the case. With the right mortgage broker help, it is possible to achieve high street mortgage terms or similar for those with bad credit. This competitive market results in competitive terms, making mortgages with affordable monthly repayments more realistic for many.
We are bad credit mortgage specialists, experts in helping all manner of people in adverse situations achieve their home owning dreams!
Are credit blacklists real?
If you have bad credit, you may be concerned about ‘credit blacklists’, and further rejections from banks. However, these ‘blacklists’ or lists of risky borrowers aren’t real and are something of a misconception. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.
If you are concerned about your credit history and how this may impact borrowing money and your future mortgage applications, talk to one of our mortgage experts. We will be able to assess your possible options and guide you to the best chance of success.
Do I need a credit score to get a mortgage?
What size deposit will I need for a mortgage?
Generally, the larger deposit you can put down, the more mortgage product options you will have. Depending on your credit history, you may be required to put down more or less for your deposit, but typical deposit percentages are around 5-10%. However, if you have a poor credit history your deposit requirements are likely to be higher.
For example, following bankruptcy, you may be required to have a deposit of around 15%. If you have discharged IVAs you may need around 10%, although this could be much higher if the IVA was only recently satisfied.
If you have poor credit due to multiple missed credit card payments, you may need around 10-15%. For CCJs the age and amount of the CCJ is important, with more recent CCJs likely to mean you require a deposit of around 15-30% but older ones (generally those 2-3 years old) resulting in deposit requirements in the region of 10-15%.
To get a better idea of your deposit requirements, potential monthly payments, and realistic affordability, talk to one of our mortgage experts for independent advice today!
Why use a mortgage adviser from When the Bank Says No?
As a team of professional mortgage brokers, we are dedicated to helping our clients – regardless of how complex or difficult their financial situation – to secure the finance they need to achieve their property-owning ambitions. We find mortgages for people, always giving them the right advice first time to ensure that no time is wasted.
We know how stressful securing a mortgage can be. With time often a crucial factor, and our clients naturally keen not to miss out, we ensure as speedy a service as possible and make it our mission to ensure that you won’t be left waiting for updates.
Unlike other mortgage brokerages, we support a range of people regardless of how complex their financial arrangements might be. With years of handling complex mortgage situations, our brokers have the skills to help those with adverse credit histories or non-standard employment and earning arrangements. Through honest independent advice and access to a wide range of lenders, we help our clients succeed first time around.