Adverse Credit Mortgages | LDN Finance

Adverse Credit

If you have an adverse credit history and are concerned about how this may impact your ability to secure favourable property finance rates, products and solutions, you’ve come to the right place.

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Our expert advisers are on hand and ready to take an holistic view of your circumstances, making sure you are crystal clear as to your position and the options available to you. We’ll help you take the next step in your investment journey.

While securing a loan with adverse credit can be tough and limit the options available to you, it is by no means impossible. In order to find the best adverse credit mortgage solution for your circumstances, it is therefore advised that you enlist the services of an impartial mortgage broker, such as LDN Finance, to help guide you through the process step-by-step and present your case to our panel of lenders in the best possible light.

Property finance lenders will always carry out credit checks on anyone applying for a mortgage – full stop. However, what you may not know is that some adverse credit history concerns carry more weight and significance than others. Depending on the level of debt and how much time has elapsed, some banks, building societies and specialist bad credit mortgage lenders may be able to take a view on your circumstances and a more flexible approach.

To discuss your borrowing scenario in more detail, get in contact with our expert team of advisers today. If there’s a solution to be found, we’ve got you covered.

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our values

How we work



Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.



We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.



We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

Do you have bad credit history and concerns about whether or not you could successfully secure property finance?

At LDN Finance, our experienced property finance advisors are here to help by taking the time to understand your situation, explain your options, and find you the best deal possible to secure a mortgage.

As one of London’s most experienced fully independent commercial mortgage brokers, we have an extensive network of lenders that allows us to find you the ideal products and rates to suit you, despite an adverse credit history. If there is indeed a route forward, you can trust us to present your case in the best possible light in order to get your adverse credit loan across the line.

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Reasons to choose LDN Finance to help with your adverse credit:

  • You’ll find yourself in a strong relationship with us. We don’t take a ‘conveyor belt’ approach with our clients; we look to build trust and rapport through a personal relationship with services that are tailored to your individual situation and needs.
  • Our finance professionals take time to listen and gain a thorough understanding of your situation. We’re always willing to work with people even in the most exceptional circumstances, so don’t worry if you have an adverse credit history; we are here to understand the situation you’re in and provide the very best solution that we can.
  • You’ll be given the best possible remortgage rate. Our close working relationships with underwriters from all the major UK lending institutions allows us to secure you the cheapest possible terms for your situation.

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Our happy clients

Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.

Mr. M

July 2021

5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.

Mr. S

August 2021

Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.

Mr. H

July 2021

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Contact our professional and experienced residential mortgage advisers and start your property finance journey today.

Prefer to chat? Call us on 020 3903 9875

5 star assurance for service and excellence