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Adverse Credit Mortgages

Move forward with a mortgage today

  • Peace of Mind

  • No Upfront Fees

  • Specialised Advice

  • Personal One to One Service

If you’ve had credit issues in the past and you’re now trying to get a mortgage or remortgage, you’ve probably realised it’s not as straightforward as it should be.

You might be wondering…

  • Will lenders accept me with a CCJ, IVA or debt management plan?
  • How much deposit do I actually need?
  • Will I be able to borrow enough?
  • How do lenders even assess my income if my situation isn’t perfect?

And the frustrating part is getting clear answers isn’t easy. Most lenders don’t take the time to explain how your credit history really affects your application. Instead, they apply strict criteria, scrutinise your credit file more closely, and often reject applications without giving you a proper chance.

That can leave you feeling stuck.

Worse still, if you start applying to multiple lenders hoping one will say yes, you could actually make things harder for yourself, damaging your credit profile further and reducing your chances of approval.

So it’s not just about having credit issues…It’s about knowing how to navigate them properly.

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That’s where we come in

At Zeo Mortgages, we specialise in helping people like you find the right mortgage lender for your exact situation. The key is knowing which lenders are most likely to accept your situation, how to present your case in the right way and how to plan not just for this mortgage — but your financial future.

As a whole-of-market mortgage broker, we have access to 100+ lenders, including specialist lenders who are happy to work with people who’ve experienced credit issues. That means:

  • You have a far better chance of being accepted
  • You may be able to borrow more than you expect
  • And you could secure a more competitive rate, saving you money

We’ll have a proper conversation, and guide you on what you need to disclose and how to do it in the best way, and help you avoid the common mistakes that cause declines and wasted applications. From your first call to completion, you’ll get personal, one-to-one service. We’ll handle the paperwork, the lender communication, and the overall application packaging, so it feels clear and manageable, not stressful and overwhelming.

There are no upfront fees. If we don’t succeed in getting you a mortgage offer, you pay nothing, we only charge once you’ve received your mortgage offer – so we’re fully invested in getting the right mortgage for you approved quickly.  

Fill in our quick enquiry form and your specialist adviser will call you for a chat to find out how much you could borrow – and which lender is most likely to say yes.

Why choose us?

Because we specialise in mortgages for people with credit issues, we can offer you all sorts of benefits you won’t find elsewhere

Adverse Credit Mortgages
  • Two Female Friends Or Same Sex Couple Celebrating With Pizza And Wine On Moving Day In New Home

    No wasted applications

    Because we know the market, we know who to approach and what they want to see.

    This means that you get matched with the lenders most likely to say yes, based on your situation, so you don’t have to gamble or guess

  • Couple relaxing while moving in new home together

    Risk Free 

    A lot of mortgage brokers will charge you a fee just for submitting your mortgage application, regardless of whether the application is successful or not.

    Here at Zeo Mortgages, all initial work and advice is free.
    If we don’t succeed in getting you a mortgage offer, you pay nothing.

  • Beautiful shot of old houses along a narrow street on a foggy day in Burford, Cotswolds, Oxfordshire

    Save You Time and Stress

    We know you don’t want to tell your story over and over again to a call centre.

    We handle the admin, the paperwork, and the lender communication for you, so you can focus on your life while we move the mortgage forward

  • Have a Confident Future

    With credit repair, the goal isn’t just “get any mortgage”… it’s to get the right mortgage now, and then move toward better rates over time. 

    Zeo Mortgages gives you a realistic, step-by-step plan so you can lower your payments, reduce stress, and feel confident about the future

How it works…

  • Get in Touch

    Complete our quick enquiry form and book a time for your first appointment call.

    Your adviser will call you and find out about your unique situation and what you want to achieve.

  • We find the right mortgage for you

    After your initial call we do the research from 1000’s deals to find the best mortgage for you.

    Your adviser will then talk you through the mortgage and everything that it entails.

  • We deal with the application

    Relax while we submit the application and documentation to the lender, keeping you updated every step of the way.

  • …your mortgage is offered!

    With our help you will have the best opportunity to get the right mortgage for you and your future.