Business Details
17 Years
experience
Adverse Credit Mortgage Brokers Chelmsford
Established in 2009, Simply Adverse has emerged as a leading specialist in adverse credit mortgages, serving clients throughout the UK. Our dedicated team of CeMAP-qualified brokers focuses exclusively on securing mortgages for individuals with complex credit histories, including CCJs, IVAs, defaults, and bankruptcy. With a whole-of-market approach, we access exclusive rates from both high-street and specialist lenders, ensuring competitive options tailored to unique circumstances. Our pre-underwriting service proactively addresses potential issues, streamlining the application process. Recognised for our 5-star Trustpilot ratings, we prioritise transparency, with no upfront fees and payments only upon successful mortgage offers.Over 3,500 positive reviews attest to our commitment to exceptional customer service, rapid response times, and a proven track record of assisting clients who have been declined elsewhere. As an FCA-authorised firm, we adhere to rigorous regulatory standards, ensuring clients receive expert, ethical guidance. Our operational history, combined with a deep understanding of evolving lender criteria, positions us to deliver reliable, results-driven mortgage solutions for those navigating adverse credit challenges.
Services
Bad Credit Mortgage
CCJ Mortgage
Remortgage Bad Credit
Bankruptcy Mortgage
DMP Mortgage
IVA Mortgage
Buy to Let Mortgage
First Time Buyer Mortgage
Second Charge Mortgage
Low Deposit Mortgage
Details
- Year established: 2009
Highlights and features
- No upfront fees payment only upon successful mortgage offer
- Exclusive access to adverse-friendly lender deals nationwide
- Dedicated pre-underwriting service to prevent application delays
- CeMAP-qualified brokers specialising in complex credit histories
- 3,500+ verified 5-star reviews across independent platforms
Associations and certifications
- Financial Conduct Authority
What people say
Excellent communication
Smooth process
Highly recommend
Life-changing service
Highly professional
Services
Bad Credit Mortgage
Specialist mortgages for individuals with credit challenges including defaults, CCJs, and IVAs. Our brokers access exclusive lender rates unavailable on the high street, offering up to 95% LTV (85% for IVA/ex-bankruptcy cases). Clients benefit from a dedicated pre-underwriting service that identifies and resolves potential issues before application submission. The team's expertise in navigating complex credit profiles ensures tailored solutions for first-time buyers, remortgagers, and buy-to-let investors across the UK.
Remortgage with Bad Credit
Competitive remortgage products for homeowners seeking better rates despite adverse credit histories. Our brokers secure options for those with missed payments, defaults, or historical insolvency issues. The process includes equity release, debt consolidation, and term adjustments while maintaining affordability checks. Clients receive fee-free initial consultations with no obligation to proceed unless a formal offer is received from lenders.
Bankruptcy Mortgage
Mortgage solutions for individuals discharged from bankruptcy, typically available 3-6 years post-discharge. We work with specialist lenders offering up to 85% LTV, requiring minimum 12 months of credit repair evidence. Our brokers provide documented guidance on preparing affordability cases, including proof of stable income and responsible post-bankruptcy financial management to meet lender criteria.
DMP Mortgage
Mortgage options for applicants currently in debt management plans. Lenders consider applications when DMPs have minimum 12-month payment history and debts total
First Time Buyer Mortgage
Tailored mortgage products for first-time buyers with credit issues including County Court Judgments and missed payments. Brokers secure high LTV options with specialist lenders while providing guidance on deposit sourcing and affordability improvements. The service includes step-by-step support through the entire purchase process, from initial eligibility checks to completion.
People
Adam Hinder
Managing Director
Co-founder of Simply Adverse with over 15 years in UK mortgage markets. Holds CeMAP and CeRER qualifications, specialising in adverse credit solutions. Previously worked with a major high-street bank before establishing the company in 2009 to address gaps in specialist mortgage provision.
David White
Head of Sales
CeMAP-qualified mortgage broker with 10+ years specialising in adverse credit cases. Completed over 500 successful applications since 2015, known for identifying emerging lender opportunities. Provides training to junior brokers on complex case strategies and maintains strong relationships with niche lenders.
Questions
What defines an adverse credit mortgage?
Adverse credit mortgages cater to applicants with poor credit histories, including defaults, CCJs, IVAs, or bankruptcy. These specialist products assess affordability beyond credit scores.
Can I get a mortgage with a CCJ?
Yes, lenders consider applications with CCJs exceeding £500 if satisfied with explanations and evidence of improved financial management, typically over 3 years old.
What deposit do I need for a bad credit mortgage?
Minimum 15% deposit required (20% for IVAs/bankruptcy cases) with some lenders offering 95% LTV products when other criteria are met.
Do you charge upfront fees?
No upfront fees are taken. Payment only occurs upon successful mortgage offer issuance, ensuring complete transparency.
How long does the process take?
Average processing time is 21 days from initial enquiry to formal offer, depending on document availability and lender response times.
Are you FCA-regulated?
Yes, Simply Lending Solutions operates under Financial Conduct Authority authorisation (no. 745164), ensuring compliance with UK financial regulations.
