Getting your mortgage doesn’t have to be scary.

Whether you’re struggling to be approved for a mortgage, or embarking on the process for the first time, we’re here to guide you every step of the way.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

Has the bank said no?

We are here to support you and help you on your journey to becoming a home-owner. Whether you have bad credit, or are just overwhelmed by the process, we can provide you with information and tools to make you more attractive to banks and sure to be successful 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 dreams of becoming a home-owner, whether that’s for your first time, commercial property or as a property investor.

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Feeling overwhelmed? Your problem may not be as complex as you think! Take a gander through our FAQs, and reach out if you’d like some support.

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, you may be deemed 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 mortgage!

Mortgage advisors have expansive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive market knowledge and experience, mortgage advisors can help you get the best deal according to your individual requirements and circumstances. They may even get deals you can’t find yourself!

Our expert mortgage advisors at When The Bank Says No can not only scour the market for the best deals, 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-owner.

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 lower your credit score.

If you’ve been declined a mortgage and don’t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.

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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 amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.

Although the answer to this question has traditionally been ‘yes’, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.

We are bad credit mortgage specialists, experts in helping all manner of people in adverse situations achieve their homeowning dreams!

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. 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 many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.

There are mortgage options available to those who don’t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including your credit file to check for adverse credit, then formulate their offer. 

Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.

To get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!

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Turning nightmares into dreams.


Bad credit mortgages

Just because you have bad credit now, does not mean that it can’t be improved and that you will always be rejected for a mortgage.


Declined mortgages

There’s many reasons that your mortgage application may be declined. We’re here to help you work it out and be successful next time!



Applying for a mortgage as a self-employed person can feel daunting and unattainable, but have no fear, we are here!


First-time buyers

Not on the ladder yet? No problem! We have the expertise to guide you through the process and help ensure your buying success.

Let’s get the ball rolling.

Complete the short form below and we’ll be in touch shortly to chat about how we can help!

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