Our Customers rate us 4.6 out of 5


About us

When the Bank Says No is team of professional mortgage and insurance brokers, dedicated to helping our clients achieve the finance they need to buy their home. Founded by our parent company Alder Rose Mortgage Services Ltd, we were born out of a desire to support people – no matter the complexity of their situation. Instead of sending more challenging cases to other brokers where we had no control over their experience, we wanted to be there for everyone – every time.

Find out how to get a mortgage with bad credit today

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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.

Our mission

Our mission? We’ve heard them all before, so let’s just tell you why we’re here and what we do well. Straight-up; no gloss, hype, or marketing lingo. We find mortgages for our customers, and give them the right advice first time.

"when the bank says no - we say yes"

People get rejected by lenders every day – that doesn’t mean you’re a bad person, though it can sometimes make you feel that way. Confused by free online services that can’t cope with real life situations, and stressed by the months you’ve wasted waiting, it can feel like there’s no one there to help. But we’re here to clear things up, and explain what solutions are out there.

couple with mortgage broker

Mortgage advice you can trust.

People don’t always fit into the boxes that a high street bank wants to put them in. Unlike other mortgage brokerages, we exist to support people of all walks of life throughout their mortgage journey. As a result, we’ve spent years operating in complex spaces, and learning a lot along the way. We don’t shy away from tricky situations and adverse credit histories, but provide transparent, no-nonsense advice to help you succeed the first time around. With dedicated teams specialising in different types of mortgages, we’re here to take the fear away, and make the impossible possible.

Want to work with us?

We’re always on the lookout for good people to join our team. Whether you’re a self-employed mortgage broker looking to partner with us or a passionate specialist looking for a full-time role, we might have an opportunity for you. If you believe in helping anyone achieve a home of their own no matter the odds, then you’re already halfway there!