Low Credit Score Mortgages

Struggling to get a mortgage? We can help!

Five star mortgage advice

*Completing our form does not affect your credit rating

Complete our quick online form for a FREE quote or call us on 01256 327019

*Completing our form does not affect your credit rating

For a FREE MORTGAGE QUOTE please complete our quick online form or call 01256 327019.

Who We Work With

We have the privilege to access an exhaustive panel of lenders including high street and specialist lenders. Our strong business relationships equip us to cater for all types of client requirements . Whilst servicing Fist Time Buyers, Home Mover’s and Remortgage clients we also cater for Government schemes like shared ownership, and specialist mortgages like adverse credit and Limited Company Buy to let’s.

Can I get a mortgage with poor credit?

A lot of people feel they can’t get a mortgage if they have poor credit history or have been refused by a high street bank. At HLSA Financial Services we have access to specialist mortgage lenders that are more flexible than high street lenders and take into consideration the age, gravity and cause of credit issues. You may pay a higher interest rate but as with any other mortgage, if you have a large deposit and/or reasonably good income, you may be eligible to obtain a more competitive deal.

By seeking advice from a mortgage broker like HLSA Financial Services, it can be possible to obtain a mortgage, despite being declined previously.  We have years of experience and know each Lender’s criteria, thus would only apply for a mortgage on your behalf, if we think you have a good chance of being accepted.

If for any reason we cannot help you, we will advise you of steps to take to improve your credit score and enhance chances of being accepted in the future.

What Is Deemed As Poor/Adverse Credit?

Poor credit history may suggest you are not in control of your finances and can often be caused by simple things like forgetting to pay a bill or being ordered by the courts to pay a parking fine.

The following can be deemed as adverse credit:

  • Bankruptcy
  • Payday Loans
  • Debt Management Schemes
  • Default
  • IVA (Individual Voluntary Arrangement)
  • Missed payments/arrears
  • CCJ (County Court Judgement)
  • No credit history

Our mortgage advisers will take the time to understand your circumstances and compare the market which includes high street and specialist lenders to find a mortgage that fits your needs perfectly.

Ready to move forward with your plans? Get in touch and speak to one of our experts.

*Completing our form does not affect your credit rating

Get In Touch For A Mortgage In Principle

4 Steps To Arrange Your Mortgage

Our Customer Reviews Speak For Themselves


Mahmut a
Mahmut a
2023-07-07
I had a commercial mortgage with HLSA. Zakia was very helpful and responsive from start all the way to the end. She answered all our inquiries in time and chased the lender for us. I will definitely work with her again.
Ismail ENIKYOVLIEV
Ismail ENIKYOVLIEV
2023-07-05
It was an absolute pleasure working with Zakia to purchase our first home. Zakia is extremely knowledgable and professional and always answered our (many, many) questions clearly and quickly. Highly recommended! best Adviser
Lyle Berends
Lyle Berends
2023-06-21
Zakia and her wealth of knowledge have facilitated rapid growth of my investment portfolios. Her advice and ability to secure the best rates and deals has allowed me to move fast when deals arise and enabled me to offer with confidence, knowing that Zakia would be there around the clock to get things over the line for me. An example is my last transaction from point of mortgage application to now completion has been less than 3 weeks! I can’t recommend any IFA higher. Thank you for all your help over the years and I look forward to all the future transactions we have planned already. Lyle Berends
Jessica Ferreira
Jessica Ferreira
2023-06-20
Zakia has been absolutely fantastic from start to finish. She did all she could to ensure I had the best product and that everything suited my needs in the best way possible. I am super grateful for her assistance in getting me my mortgage and would recommend her to anyone!
Michael Bradley
Michael Bradley
2023-05-24
very efficient and very client focussed, it was a nice experience in what can be a stressful process.
Asif Saleem
Asif Saleem
2023-05-19
Very professional service and there was clarity and continued support throughout the mortgage process. Definitely would recommend to family and friends as it was a 5 ⭐️ service & experience
Felix Olayinka
Felix Olayinka
2023-01-21
HSLA financial Services representative-Zakia was very helpful in my first time mortgage application....prompt reply to my correspondence, affordable charges, excellent service. I can't fault their service from start to collection of the key. Thanks Zakia.
Jock Hawkins
Jock Hawkins
2022-09-03
Zakia came very highly recommended to us and rightly so, at every step we were well informed and provided with top quality service. Zakia went above and beyond expectations, incredibly reassuring and some you can really trust. We have recommended and will continue to do so as the service received was excellent. If ever we buy another house, Zakia will be our first and only call for our next mortgage.
Mieke S
Mieke S
2022-06-24
Zakia Khalid has been amazing helping getting our property business of to a great start. Supporting us with no less than 6 mortgage applications and all completed in only 10 months. Always very professional and keeping us informed every step of the way. She has been an absolute pleasure to work with and would highly recommend her services.
Steve Curtis
Steve Curtis
2022-03-26
We thought we’d struggle to get a mortgage, but Zakia made it all possible, she did an amazing job getting us a mortgage at a brilliant rate, always keeping us informed. We will forever be grateful for her efforts in helping us get on the property ladder, we couldn’t recommend her enough. Absolutely brilliant!!!

*Completing our form does not affect your credit rating

Contact Us For A Mortgage In Principle