Bad credit mortgage in Wigan? We can help.
Been turned down by the high street? You're not stuck. We work with specialist lenders who consider Wigan applicants with CCJs, defaults, IVAs and other adverse credit. Free chat. No judgement. No obligation.
A Wigan broker who says "let's see what we can do."
If you live in Wigan, Standish, Ashton-in-Makerfield, Hindley, Ince or Pemberton and your bank has said no — that's not the end of the road, it's the start of a different one. High-street banks use rigid credit-scoring systems. Specialist lenders, the kind that sit behind brokers like us, look at your full story.
We're not a national call centre. You'll speak to Chris on the first call and on every call after. One person, the whole way through.
Who we help most often in Wigan
If you fall into any of these — or you're not sure where to start — pick up the phone. The first chat is always free.
CCJs & defaults
Whether they're recent, satisfied, or from years ago — there's almost always a lender willing to consider you. More on CCJs & defaults.
Self-employed
Sole traders, contractors, limited company directors. One year's accounts can be enough with the right lender.
First-time buyers
If credit issues are blocking your first home in Wigan, we'll work out a route that takes them into account.
IVAs & DMPs
Discharged or still in plan — there are lenders who'll consider you. The timing matters; we'll talk it through.
Why use a local broker instead of a national call centre?
You can ring a national broker and get a different person each call. Or you can ring me. Same number, same person, every time.
One person, the whole way
The person you speak to first is the person who handles your application. No handovers.
Plain English
If a lender's policy is daft, I'll tell you. If your situation's workable, I'll tell you straight.
60+ lenders
Including specialist lenders you can't access directly as a consumer.
Local knowledge
Wigan property stock, valuation behaviour, lenders comfortable with WN postcodes.
How it works — three simple steps
Free phone chat
Tell Chris what's on your file and what you want to do. Honest answer about what's possible.
Lender match
We pick the lender most likely to say yes — protecting your credit file from unnecessary searches.
Hand-held to completion
We package, submit, chase. You stay updated. No silent weeks.
Wigan mortgage FAQs
Do I need to come to your office?
What does it cost?
I've already been declined — can you still help?
How quickly can I get an answer?
What deposit will I need with bad credit?
Do you cover all of Wigan?
Related guides & pages
Turned down? Turn to us.
One call. Honest answer. No pressure, no judgement, and no fee for finding out where you stand.
Call Chris on 07359 911 696We cover the wider region as well — if you're in Leigh, Bolton, Tyldesley or anywhere across Greater Manchester, get in touch.