Turned down for a mortgage in Warrington? That is exactly the kind of case we take on. Chris Smith Mortgages is a specialist bad credit mortgage broker working with people across Warrington who have CCJs, defaults, missed payments, debt management plans or a patchy credit history.
One honest phone call usually tells you what is realistic. Call 07359 911696.
A mortgage broker in Warrington that specialises in bad credit
Most mortgage brokers in Warrington are set up for straightforward cases. Clean credit, standard income, high street lender, done. When a CCJ or a default shows up on the credit file, many of those same brokers say no, because the specialist lenders who handle adverse credit are a different market with different criteria, and it takes daily work in that market to know who will say yes.
That market is all we do. Bad credit mortgages are not a sideline for us, they are the business. We know which lenders ignore small defaults entirely, which ones price by how long ago the problem happened, which ones insist a CCJ is satisfied and which ones do not care, and which ones will decline a strong case on an automated credit score that a manual underwriter would have passed. That knowledge is the difference between another rejection and an approval, and it is why our approach is simple: turned down? Turn to us.
We are based in Leigh, twenty minutes up the road, and we cover the whole of Warrington: Great Sankey, Penketh, Orford, Padgate, Birchwood, Woolston, Latchford, Stockton Heath, Appleton, Grappenhall, Lymm and Culcheth. Everything can be handled by phone, video and email, so there is no need to travel unless you want to meet.
Mortgages in Warrington with CCJs, defaults and missed payments
The credit problems we place mortgages around every week include:
- CCJs, satisfied or unsatisfied, recent or historic. Some lenders will consider a CCJ registered within the last year, and a satisfied CCJ over 12 to 24 months old is a very placeable case.
- Defaults, including multiple defaults. Several lenders disregard small defaults completely, and some ignore telecoms and utility defaults no matter the size.
- Missed payments and arrears on loans, cards, catalogues and even mortgages, where the right lender depends on how recent and how severe.
- Debt management plans and IVAs, active or completed, where conduct since the plan started matters more than the plan itself.
- Low credit scores with no single big event, which often fail high street credit scoring but pass a specialist lender's manual underwriting.
How old the problem is matters as much as what it was. Lenders work in bands, and a default that is 13 months old opens doors that were shut at 11 months. If you want the detail on how that timing works, our guide on how long defaults and CCJs stay on your credit file explains what lenders actually do at each stage, and our bad credit mortgages page covers deposits, rates and the process from start to finish.
First time buyers, home movers and remortgages in Warrington
We arrange the full range: first time buyer mortgages with bad credit, moving home after credit problems, and remortgages where the current lender will not offer a new deal because of what has happened since the mortgage started. Remortgage cases are a big part of our Warrington work, particularly people coming off a fixed rate onto a high standard variable rate who assume they are stuck. Often they are not, and even where a full remortgage is not the answer yet, there can be a route that protects the current deal.
Secured loans and second charge mortgages in Warrington
If you own a home in Warrington and need to raise money without touching your existing mortgage, a secured loan, also called a second charge mortgage or homeowner loan, can be the answer. It sits alongside your current mortgage, so you keep your existing rate and avoid early repayment charges, and because the lending is secured against the property, lenders are far more flexible about bad credit than unsecured lenders are. Common uses are consolidating expensive debts into one lower monthly payment, home improvements, and raising funds when a remortgage is not the right move.
We work with secured loan specialists who lend to homeowners with CCJs, defaults and poor credit histories. The full detail is on our secured loans page.
How it works
- One honest phone call. Tell us what is on your credit file, what you earn and what you want to do. We will tell you straight what is realistic, even if the honest answer is to wait a few months. No judgement, we have heard it all.
- We check your credit reports before anyone applies. Applying to the wrong lender adds a failed application to your file. We match your history to lender criteria first, so the application that goes in is one that fits.
- We build the case. Specialist lending is about presentation as much as criteria. We package the application, the explanations and the documents so an underwriter sees the full picture.
- You get a decision, not a runaround. And a broker on the phone who actually answers it.
Frequently asked questions
Can I get a mortgage in Warrington with bad credit?
In many cases, yes. Specialist lenders consider CCJs, defaults, missed payments and debt management plans, and what is possible depends on how recent the problems are, whether they are settled, your income and your deposit. A short phone call is usually enough to give you an honest answer on where you stand.
How much deposit do I need for a bad credit mortgage?
It varies with the severity and age of the credit problems. Recent or heavier adverse typically needs 15 to 25%, while older or lighter issues can work with 10% and sometimes 5%. A bigger deposit always opens more lenders and better rates, but a small deposit is not automatically a dead end.
Will you check my credit file before applying?
Yes, always. We review your credit reports first and match your history against lender criteria before any application goes in, so you are not collecting rejections that make the file worse. Initial checks are done in a way that does not harm your credit score.
Do you charge for an initial chat?
No. The first conversation is free and there is no obligation. If we take your case on, our fees are explained clearly and agreed before anything is committed.
Do I need to come to an office?
No. We are based in Leigh and cover all of Warrington, and the whole process works by phone, video call and email. Most clients never need to travel anywhere.
Can I remortgage in Warrington with bad credit?
Often, yes. If credit problems have appeared since your current mortgage started, your existing lender may say no, but specialist lenders assess the case fresh. Remortgages with CCJs and defaults, including for debt consolidation, are a core part of what we arrange.
Turned down? Turn to us.
If a bank or another broker in Warrington has said no, that is usually the start of the conversation, not the end of it. Tell us what is on your file and we will tell you straight what is realistic.
Or call Chris directly on 07359 911696
All mortgages are subject to status and affordability. Nothing on this page is a guarantee of lending. Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.