My Mortgage Specialist

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My Mortgage Specialist We specialise in finding the right mortgage for your unique circumstances, no matter how complex!

Here at My Mortgage Specialist we understand that no two peoples circumstances are the same, and that it's therefore vitally important that you get connected to the right individual broker geared to help you. We work with a network of extremely knowledgeable and experienced brokers who have access to the whole of the market, and who have been in the industry long enough that there is nothing they haven't seen or worked with before. No matter what your circumstances, if there's a solution out there for you, our brokers can find it. Whether you have complex income, bad credit history, unusual properties, the list goes on!

16/10/2026

📢 🥳RED CARPET VISITOR 🥳 📢

The lovely Gina from Pepper Money came to see us this week, to catch us up on all the great work they're doing to help customers with adverse credit, which you know is where we shine, too! ✨

We couldn't let her go without asking her our hot topics, and this week we thought we'd do this with a Quick Fire Quiz...

A huge thanks to Gina for coming in, she was fab 🤩

Follow along to see more!!

Your credit was fine when you took out your current mortgage, but things have changed since.So what happens when your cu...
16/10/2026

Your credit was fine when you took out your current mortgage, but things have changed since.

So what happens when your current deal comes to an end?

If you have had missed payments, defaults, a CCJ or other credit problems since taking out the mortgage, a new lender may want to understand:

• what happened
• how recent the credit issues are
• your current income and affordability
• how much equity you have in the property
• how your finances have been managed since

A change in your credit history does not automatically mean you cannot remortgage, but your options may be different from the last time you applied.

Speak to a mortgage adviser before making any decisions so you can understand what may be possible.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Your IVA has finished, but it is still showing on your credit file. Does that automatically mean you cannot get a mortga...
14/10/2026

Your IVA has finished, but it is still showing on your credit file. Does that automatically mean you cannot get a mortgage?

Not necessarily.

A mortgage lender may want to look at:

• when the IVA started and finished
• how your credit has been managed since
• whether there have been any further credit issues
• how much deposit you have
• your income and overall affordability

The fact that an IVA still appears on your credit file is only one part of the assessment.
Some specialist lenders may consider applicants with a previous IVA, depending on the full circumstances and lender criteria.

If you are thinking about applying, it can be worth checking what may be possible first.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Self-employed with adverse credit?A mortgage lender may need to understand both your income and your credit history.They...
12/10/2026

Self-employed with adverse credit?

A mortgage lender may need to understand both your income and your credit history.
They may look at things such as:

• how long you have been trading
• how your income is evidenced
• whether your earnings are sustainable
• the type and timing of any credit issues
• your deposit and overall affordability

Some specialist lenders may consider more complex self-employed cases, but the answer depends on your individual circumstances.

Before assuming the answer is no, find out what may be possible.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Three defaults on your credit file?The number of defaults can matter, but it is not necessarily the only thing a mortgag...
09/10/2026

Three defaults on your credit file?

The number of defaults can matter, but it is not necessarily the only thing a mortgage lender may consider.

They may also look at:
• when the defaults were registered
• the amounts involved
• whether they have been satisfied
• how your credit has been managed since
• your deposit, income and affordability

That is why two people with the same number of defaults could have very different mortgage options.

If you are unsure where you stand, speak to a specialist mortgage adviser before applying.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Your IVA has finished. So what happens if you now want a mortgage?A lender may want to understand:• when your IVA finish...
07/10/2026

Your IVA has finished. So what happens if you now want a mortgage?

A lender may want to understand:

• when your IVA finished
• how your credit has been managed since
• how much deposit you have
• your income and overall affordability

Finishing an IVA does not automatically mean you can or cannot get a mortgage. What may be possible depends on your full circumstances and the lender’s criteria.

If you are thinking about applying, speak to a specialist mortgage adviser before making another application.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moving home can feel more complicated when one partner has poor credit.Mark’s review speaks directly to that situation. ...
05/10/2026

Moving home can feel more complicated when one partner has poor credit.

Mark’s review speaks directly to that situation. He needed a broker for a house move because his partner had a very poor credit history, and he mentioned fast responses and support from Chris K.

That kind of case needs care.

A joint application can be affected by both applicants’ circumstances, including credit history, income, debts and affordability.

There is not one automatic answer.

Sometimes the route depends on how recent the credit issues are, the deposit, the borrowing needed and which lenders may consider the case.

If you are moving home and one applicant has credit concerns, speak to My Mortgage Specialist before applying.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

02/10/2026

Today's Red Carpet Visitor...

🎊The lovely Sam from Precise Mortgages!!🎊

Some great points about adverse credit mortgages - and that favourite crisp flavour is a classic! Thanks for being such a good sport, Sam - welcome anytime ☺️

What should our next topic of the week be?? Comment below with your suggestion, and follow along for more mortgage tips and tricks, and to keep on top of the important issues - the office debates! 😜

I mean....can we?? 🥳🎂🤣
30/09/2026

I mean....can we?? 🥳🎂🤣

Saved a deposit, but worried about your credit file?That can be a frustrating place to be. You may feel ready to buy, bu...
30/09/2026

Saved a deposit, but worried about your credit file?

That can be a frustrating place to be. You may feel ready to buy, but unsure whether your credit history could affect the application.

The deposit is only one part of the picture.

Lenders may still look at the type of credit issue, when it happened, whether it has been settled, your affordability and your recent conduct.

So the next step may not be applying straight away.

It may be checking your credit file, understanding lender criteria and getting advice before you risk an application in the wrong place.

If you have saved a deposit but your credit file is not perfect, speak to My Mortgage Specialist before applying.

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Address

11 Park Lane Business Centre, Park Lane
Nottingham
NG60DW

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm
Saturday 9am - 5pm

Telephone

+441159755544

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