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Poor credit mortgage expertise you can trust

Get on the property ladder with a poor credit mortgage

If life has got in the way and your credit score isn’t sitting as pretty as you would like it to be, you’ve found the right mortgage broker with all the solutions. It could have been a missed car payment or late credit payment, even a bill going to an old address. Or an illness or injury that kept you out of work and hit your finances hard. We are familiar with bankruptcy and CCJs and have arranged finance around these blemishes previously. And of course, with COVID-19 and its unforeseen challenges, you may have been furloughed, taken advantage of payment holidays or lost out on work. All of this can add up on your credit history and make you feel as if buying a home or arranging finance is just not possible. However, with our help, a poor credit record doesn’t have to mean your financial goals are out of reach and our brokers are here to help find the solution that works for you.

Looking for expert help finding a bad credit mortgage?

What makes us unique?

Qualified and employed in-house teams provide consistent service

Exclusive rates plus reduced turnaround times available via our lender relationships

Experts in both personal name and limited company applications

Exclusive rates and reduced turnaround times available via our lenders

Critique of the deals you should be doing, futureproofing today’s decisions

Open an honest in our assessment of the deal’s you need to reconsider

An adviser and case manager in your corner at all times

Get on with your life and trust us to get the job done

Access to all realistic UK based lenders, if we can’t do it very few others can

Award winning and consistently 5* reviewed for service

We work ethically and with integrity, Directly Authorised by the FCA

Complementary finance and insurance services available

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Why do I need a specialist poor credit mortgage broker?

Working with a specialist broker, with expertise in the bad credit mortgage field, will help smooth the way to buying your home. Our team have access to lenders who provide adverse credit mortgages, and once we’ve had a chat with you to understand your situation, we’ll search for a mortgage that fits your needs. We know this can feel stressful, so we do everything we can to take care of the process for you. You’ll have your own broker, who will find you the best deal, and your own case manager contact, who will take care of your application and answer any of questions you may have. We’ll keep you updated every step of the way and explain anything which may sound confusing. With us by your side, you can still find a mortgage rate that secures the funds you need, whatever’s gone before.

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Our clients


Our reviews are testament to the care and attention we give to every single client.

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“Fantastic service from Daniel & Lee, went through very quickly and smoothly.”

Vee Hach

“Very helpful and guided us through the whole process. Would recommend!”

Dan Chadfield

“I have had David and Lee helping me through the majority of my remortgaging process...”

Leah Clark

“Huge thank you to DNA finance for getting our bridging finance sorted so quickly.”

Laura Harris

Our can-do culture

The DNA team is committed to providing the highest quality advice and service in the UK, following a 3 point promise:

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1. Speed

We work quickly and proactively all the way through to completion

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2. Service

Rely on us to connect the dots between all parties within a transaction, allowing you to get on with your life

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3. Support

Enjoy dedicated support from an adviser and case manager throughout the process

Access poor credit mortgage lenders, with our help

Stepping onto the property ladder when you have a poor credit rating is possible, and our mortgage experts are experienced in working with people who have ‘black spots’ in their financial history. You might have to put down a bigger deposit, provide more information about your circumstances and have access to different interest rates as those with a higher credit rating – but we can still get you the poor credit mortgage you can afford. We can also give pointers on how to improve your credit, and may be able to improve your mortgage rate in the years ahead with our guidance. We have access to the full panel of lenders so we’ll navigate all the deals available to you. We’ll also guide you through the additional information that they may require – things like how the adverse credit occurred and confirmation that the affected accounts have been kept up to date since or what your future plans are. A detailed credit report agency can give you these details and our brokers can provide more information on checkmyfile, our preferred partner, so you’re ready with the information you need to speed up the process. DNA has the mortgage expertise to help people with complicated credit record find the right finance – talk to us about your personal situation and we’ll help you find a realistic solution.

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Poor credit doesn’t have to get in the way of buying a home

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