Call us on:
Tailored Mortgage
Solutions
Solutions
Huge Choice
Save Time & Protect
Your Credit Score
Your Credit Score
Quick Decisions,
No Delays
No Delays
Struggling to Get a Mortgage Due to Bad Credit? We’re Here to Help!
Being turned down for a mortgage isn’t just frustrating — it can feel like your dreams of owning a home are slipping away. Whether you’re trying to secure a new home for your family or looking to remortgage for better rates, rejection can leave you feeling powerless.
It’s even more frustrating when you don’t know why your application was declined. You’ve done your best to move forward, but past issues like a CCJ, a missed payment, or a default continue to haunt your credit file, making it feel like there’s no escape.
The Problem Is Bigger Than You Think
Mainstream lenders often rely on automated systems to make decisions. These systems aren’t designed to understand your unique circumstances — they just see numbers and red flags. Even a single late payment from years ago can trigger an instant rejection.
And it doesn’t stop there. Each rejection leaves a visible mark on your credit file, making your credit score drop further. You might even be tempted to apply to multiple lenders, hoping one will say “yes.” But this can make things worse, leaving you trapped in a cycle of rejections.
You’re not alone if you feel confused or overwhelmed. Most people don’t fully understand how past credit problems affect mortgage applications — or how complex lender criteria can be. The idea of navigating this process without guidance is often daunting, and it’s easy to assume that if one lender won’t help, no one will.
It’s Time to Break the Cycle
At Wallace Home Finance, we believe your past doesn’t need to define your future. That’s why we’ve partnered with specialist lenders who understand that bad credit doesn’t mean you’re a bad borrower.
Our experienced advisers know the ins and outs of the bad credit mortgage market and work directly with decision-makers. We aim to match you with lenders who are the most likely to approve your application, saving you time, stress, and additional credit checks.
We focus on helping you, not judging your financial history. So stop worrying about rejections and start exploring your options.
Take the First Step Today:
- Fill out our quick online enquiry form.
- Speak with one of our bad credit mortgage specialists.
- Discover the lenders who are ready to say “yes.”
Your new home is closer than you think – Let Wallace Home Finance help you get there
LET’S MAKE A STARTTake the First Step Today
Fill out our quick enquiry form or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.
By clicking ‘Let’s Make a Start” you agree for us to use your personal data to contact you to discuss your mortgage requirements. For full details on how we process personal data please see our privacy policy
or call us on:
Why Choose Us?
We bring specialist expertise to the table, with a deep understanding of the bad credit market. Our whole of market access ensures you get a great rate which will save you money and time.
Tailored Mortgage Solutions
At Wallace Home Finance, we work with over 90 mortgage lenders, representing the whole of the mortgage market, and offering access to more than 10,000 mortgage products. This means we can explore a wide range of options to find the perfect deal for you.
For those with bad credit, we’ve built strong relationships with specialist lenders and their underwriters – real decision-makers who understand your circumstances. So even if mainstream lenders have turned you down, we can connect you with someone who’s ready to help.
Huge Choice
We’ve got access to over 10,000 different mortgage products, including ones from lenders who don’t deal direct with the public. This means that, whether you’ve faced CCJs, missed payments, IVAs, or defaults, we can confidently say: if we can’t find you a mortgage, no one can.
Our cutting-edge software, powered by advanced algorithms, quickly identifies the lenders and deals best suited to your unique circumstances – saving you time, stress, and unnecessary rejections, and giving you the certainty you need to move forward.
Save Time & Protect Your Credit Score
We’ve spent years helping people with bad credit secure mortgages, so we know exactly which lenders are most likely to say “yes” to your application. By focusing on the right lenders from the start, we avoid wasting your time or harming your credit score with multiple unnecessary applications. Instead, we streamline the process to get you closer to the home you want.
Quick Decisions, No Delays
We know how important it is to secure your mortgage quickly, especially when your dream home is on the line. That’s why we’ve developed efficient systems and processes to get you a decision in record time. Once we have the key details about your situation, we can usually secure a decision in principle from a lender within 24 hours – so you can move forward with confidence.
What Our Customers Say
5 star and above experience from Allen! He went the extra mile to secure us a mortgage on our new home. It wasn’t an easy case and he always answered every question within a timely manner and always advised in the best way possible. I don’t think he could have done anymore for us. Thank you again Allen!
Francesca
We recently moved house and once again used Colin for our mortgage and protection needs. Helpful from start to finish; always available on the end of the phone when needed and completely took away any stress we may have otherwise had. We would not use anyone else and cannot recommend highly enough!!!
Stefan
Joe and the Wallace Home Finance team were so knowledgeable about what was available on the market and helped us remortgage. Even remortgaging with the same mortgage provider, whilst paying off a lump sum, needs good communication and timing to ensure you maximise your lower rate on “switching”. Special mention to Joe who always knows the best rates and monitors to ensure passing on his experience and expertise to clients. I will always use Joe and the team as I have complete trust in their ability to deliver the best results. Thanks 🙏
DavidGetting a mortgage with our help is really simple
We will find the right solution, so you can secure your home without the hassle.
Get in touch
Complete the 1 minute form or give us a call
We’ll look for a great mortgage
Tell us about your situation and we’ll start your search
We’ll hold your hand
We’ll advise you on your options and help you choose the right one
...all the way ‘til the end
We stay with you until move in
Mortgages for Bad Credit
-
Tailored Mortgage Solutions
-
Huge Choice
-
Save Time & Protect Your Credit Score
-
Quick Decisions, No Delays
Take the First Step Today
Fill out our quick enquiry form or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.
By clicking ‘Let’s Make a Start” you agree for us to use your personal data to contact you to discuss your mortgage requirements. For full details on how we process personal data please see our privacy policy
or call us on:
Take the First Step Today
Fill out our quick enquiry form or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.
By clicking ‘Let’s Make a Start” you agree for us to use your personal data to contact you to discuss your mortgage requirements. For full details on how we process personal data please see our privacy policy
or call us on:
