Our Customers rate us 4.6 out of 5


Getting your mortgage doesn’t have to be scary.

When The Bank Says No are here to guide you every step of the way to reach your mortgage goal.


Find out how to get a mortgage with bad credit today

When The Bank Says No is working closely with leading providers...

Useful links to begin your Mortgage Journey



Bridging Finance Brokers

When you need to bridge a gap in your finances, we are there to find suitable finance options for you.


Debt consolidation mortgages

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.

Debt consolidation mortgages


Need help navigating buy-to-let mortgages? With our help we’ll make it easier than you think, even if you have bad credit.


Debt consolidation mortgages


Remortgaging doesn’t have to be tricky, whether you are looking to remortgage to consolidate debt, buy another property or finance home improvements.

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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Our Process really is that simple...

step 1

We’ll chat about your dream home and any hurdles you’ve encountered so far.

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step 2

Working out what it is you need from a mortgage, we’ll assess your options.

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Together we’ll find the best mortgage deal for you and get you accepted!

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We can help you work towards your dream home, today

Turning Your Nightmares Into Dreams

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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 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


Reasons High street banks Could reject:

When The Bank Says No Will:

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Frequently Asked 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, 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.

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 home owning 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!