About Us
Hi, I'm Chris. The person who'll answer when you call.
No call centres. No automated systems. No being passed around. When you ring 07359 911 696, you get me — and I'll either help you directly or match you with the right specialist adviser for your situation.
How I got here
I started in finance back in 2013 as a secured loan specialist. My job was helping people consolidate debts down to one manageable monthly payment, or unlock equity from their homes for things like extensions and home improvements. That early work taught me something important: most people aren't bad with money — they've just had a bad run. Illness, redundancy, divorce, a business that didn't quite work out. Life happens. Credit files take the hit.
From secured loans I moved into mortgages, working through high-street banks and then brokers. I saw both sides of the industry — the side that turns people away because their case is "too complex", and the side that actually rolls up its sleeves and works out a way through. I wanted to be on the second side. That's why I set up my own business.
Today, I run the company. I answer the phones. I'm the first voice you'll hear. After our initial chat, I'll either handle your case myself or, if your situation needs a specific specialism, I'll match you with the adviser on my team best suited to your circumstances. Either way, the relationship starts with me — and I stay involved.
What you can expect from me
The mortgage industry has a reputation for being cold, transactional, and tone-deaf — especially toward people with adverse credit. That's not how I work. Here's what I commit to, every time:
An empathetic ear
Whatever's on your file, there's a story behind it. I want to hear that story before I look at the numbers. No judgement — just listening.
Plain English, always
If I'm using jargon you don't understand, I'm doing my job wrong. APRs, LTVs, ERCs, DIPs — I'll explain anything that needs explaining. No assumptions.
Honest answers
If your case is workable, I'll tell you straight. If it isn't workable right now, I'll tell you that too — and explain what would make it workable later.
The right product, not just any product
Whether that's a mortgage, a secured loan, a remortgage, or waiting six months and trying again — I'll point you toward what genuinely fits your situation.
No silent weeks
Once we're working together, I'll keep you updated through every step. If something goes quiet at the lender's end, I'll chase it. You won't have to wonder what's happening.
Properly regulated
I'm an adviser of Oak Mortgages Ltd, authorised and regulated by the Financial Conduct Authority. FRN 1026569. Everything I do operates under FCA rules designed to protect you.
Why I specialise in adverse credit
There's an unspoken truth in the mortgage industry: most brokers prefer easy cases. Perfect credit, salaried PAYE income, a chunky deposit. Those cases close fast and pay nicely.
I went the opposite direction. I built my business specifically around the people who get turned away — CCJs, defaults, missed payments, IVAs, self-employed with messy accounts, all of it. Three reasons:
The honest answer
One: there's less competition. Most brokers don't want these cases, which means the people who need help most often can't find it. Two: when you've spent enough time with specialist lenders, you actually become useful at this — you know which lender accepts what, and you know how to present a case so it gets a yes first time. Three: the gratitude is real. People who've been turned down by three banks don't take their mortgage for granted when it eventually comes through.
If you've been told no by the high street, you're exactly the person I built this business for.
Local to Leigh, working with clients across the UK
The business is based in Leigh, Greater Manchester. I know the area, the property stock, the local valuers, and the lenders who are comfortable with WN, BL, M and OL postcodes. If you're local — Leigh, Atherton, Tyldesley, Bolton, Wigan, or anywhere across Greater Manchester — that local knowledge is built into every conversation.
But the business isn't only local. Mortgages don't require face-to-face anymore. Phone, video call, email — we can work together effectively whether you're in Leigh or the other end of the country. The work's the same; only the postcode differs.
How to get in touch
The first chat is always free. No obligation. No pressure. No fee for finding out where you stand.
If you've been turned down by a bank or another broker, tell me what happened — I'll work out whether we can route you somewhere better. If you haven't applied anywhere yet but you're worried about your credit, that's actually the best time to call. Each application leaves a footprint on your file, so getting it right first time matters.
Ready to find out where you stand?
One call. Honest answer. No judgement, no pressure.
Call Chris on 07359 911 696