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The New House

Ailes Mortgages have Solutions to All Credit Situations

Buying a home is the largest purchase you’re likely to make. Before you arrange your mortgage, make sure you know what you can afford to borrow. Get in touch with us to find out where to get a mortgage, the different types and how the process works.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up payments on your mortgage.

Adverse Credit History Mortgages

Ailes Mortgage Solutions Ltd can assist arrange your mortgage taking into account all your credit problems in the past, from a missed credit card payment through to more serious issues such as bankruptcy.

Think carefully before securing other debts against your home.

Personalised Help to Support Borrowers with an adverse Credit History

If you have been declined a mortgage due to adverse credit then don’t loose hope, as we can help you even if you have had a few missed credit card payments, a County Court Judgement, are currently in a Debt Management Plan. Our expert Mortgage Advisers work with specialist sub-prime lenders across the mortgage market. We understand  the lenders specialise in offering products that are tailored to customers who have current or past adverse history such as missed payments or ccjs.

The mortgage products we offer are just the same as standard mortgage products. The main difference is purely the way they are assessed, as some lenders do not credit score and instead manually assess each application individually. This permits the lenders to take into consideration unexpected life events which may have caused the adverse credit. For example, loss of job,  divorce or bereavement etc.

When it comes to Adverse Credit Mortgages, some lenders have a strict criteria that you have to fit into whilst others will look at your case on an individual basis. Thus, enabling us to advise you specifically on this once we understand your current circumstances. Some factors may help you reduce the impact on your application since the adverse credit history are as follows:

Steady level income.

Larger deposit

Applicants age.

Current Assets.

At Ailes Mortgages Solutions we have an up to date knowledge of the industry as we are a whole of market specialist mortgage brokers. We ensure that we assist you to get the best product available and are confident that the if we cannot help no one can help you. If you are struggling to get a mortgage due to a adverse credit rating, late/missed payment history or county court judgments (CCJ's) in your name then we can help through a special mortgage called a sub-prime mortgage which is specially designed to provide you a solution to your problem. We are here to help you no matter what your circumstances are please, just fill in the contact form online, call us on 0121-392-7344 or email us at

These types of mortgages can also be referred to as:

  • Bad Credit Mortgages

  • Missed |Credit Payments

  • Non-Status Mortgages

  • Defaults

  • Sub-Prime Mortgages

  • Bankruptcy

  • Adverse Credit Mortgages

  • CCJs

  • Credit Repair Mortgages

  • Non-Conforming Mortgages

  • Debt Management

  • Low Credit Score

A missed payment for a small amount is not as serious as a county court judgement for a high amount, and that may not be as bad in the eyes of a new lender as a bankruptcy or repossession. It is up to your Specialist Mortgage Adviser to get you the mortgage and best terms possible for your circumstances.

It is believed that a small amount of missed payment will not impact your credit file as a higher amount CCJs, repossession or bankruptcy. For that reason, as we look at each clients circumstances and advise them to a Specialist Mortgage lender in order to get a positive result and the best possible term and rate specially design for your circumstances.

Get in touch

Email communications are not secure and for this reason, Ailes Mortgage Solutions Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent. We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers.

For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our  Privacy Policy.

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