Simply Adverse

Business Details

17 Years

experience

Bad Credit Mortgage Specialists

We are a national mortgage brokerage specialising in securing mortgages for individuals with adverse credit histories. Established to address the challenges faced by those with impaired credit ratings, our service focuses on providing tailored solutions through a dedicated team of CeMAP-qualified brokers. With over 15 years of combined experience, we work with high street lenders and specialist providers to access exclusive rates up to 95% LTV (85% for IVA/ex-bankruptcy cases).

Our whole-of-market approach ensures access to deals unavailable through comparison sites, supported by a pre-underwriting service to streamline approvals. We operate on a no-upfront-fee model, charging only upon successful mortgage offers. Recognised by 3,535 Trustpilot reviews with a 4.95 average rating, we maintain authorisation by the Financial Conduct Authority (FCA No 745164) and have secured mortgages for thousands of clients since 2009.

Services

Bad Credit Mortgage CCJ Mortgage IVA Mortgage Bankruptcy Mortgage DMP Mortgage Defaults Mortgage Remortgage Buy to Let First Time Buyer Self-Employed Mortgage

Details

Year established: 2009

Highlights and features

No upfront fees - payment only upon successful mortgage offer
Specialists in adverse credit mortgages since 2009
Whole-of-market access to 1000+ mortgage products
Exclusive rates from specialist lenders unavailable on high street
Award-winning 5-star customer service with 3,500+ reviews

Associations and certifications

Financial Conduct Authority

What people say

Quick approvals Excellent communication No upfront fees Expert guidance Successful complex cases

Website

Update Listing

Services

Bad Credit Mortgage

Specialist mortgage solutions for applicants with adverse credit histories including missed payments, defaults, and county court judgments. Our CeMAP-qualified brokers access exclusive rates from specialist lenders while maintaining relationships with major high street banks. The service includes pre-underwriting assessments to identify potential issues before formal applications, with a focus on securing competitive rates tailored to individual circumstances. Clients benefit from a dedicated case manager throughout the process.

IVA Mortgage

Tailored mortgage options for individuals completing or completed individual voluntary arrangements. We work with lenders offering 85% LTV products specifically designed for post-IVA applicants. Our brokers provide detailed guidance on required documentation and credit rehabilitation strategies, with a pre-application assessment service to improve approval chances. The team maintains direct relationships with specialist lenders to secure competitive rates despite historical credit issues.

Bankruptcy Mortgage

Mortgage solutions for applicants with discharged bankruptcy records. Our specialists access lenders offering products with LTVs up to 85%, focusing on post-bankruptcy rehabilitation timelines. The service includes detailed credit history analysis, documentation preparation assistance, and lender-specific application optimisation. Brokers provide ongoing support through the underwriting process, leveraging relationships with specialist providers to secure approvals where mainstream lenders have declined applications.

Buy to Let Mortgage

Specialist buy-to-let mortgages for landlords with adverse credit histories. We connect investors with lenders offering competitive rates for property portfolios despite previous credit issues. The service includes portfolio assessment, income verification support, and tax-efficient structuring advice. Brokers leverage relationships with specialist buy-to-let lenders to secure financing options unavailable through traditional channels, with LTVs up to 75% depending on circumstances.

Remortgage

Adverse credit remortgaging solutions to release equity or secure better rates. Our brokers access specialist lenders offering competitive remortgage products for applicants with historical credit issues. The service includes current mortgage analysis, equity release planning, and penalty charge minimisation strategies. Clients receive tailored advice on improving loan-to-value ratios through deposit accumulation or property improvements to secure better terms.

People

Adam Hinder

Managing Director

Co-founder with CeMAP and CeRER qualifications, leading the company since 2009. Specialises in adverse credit market strategy and lender relationship management. Oversees operational expansion and service development.

David White

Head of Sales

CeMAP-qualified mortgage broker with 9+ years' experience handling 500+ adverse credit cases. Specialises in complex cases involving multiple credit issues and high-value transactions. Leads training for new brokers and maintains lender policy updates.

Jackie

Senior Broker

Experienced adverse credit specialist with focus on first-time buyers and complex remortgages. Recognised in customer reviews for exceptional communication and problem-solving abilities. Handles cases involving self-employed applicants and non-standard income verification.

Geoff Mossman

Senior Case Manager

Specialises in bridging finance conversions and complex property transactions. Known for resolving time-sensitive cases with multiple property chains. Provides expert guidance on documentation requirements and lender-specific criteria.

Shelagh

Lead Advisor

Focuses on first-time buyer cases with adverse credit histories. Provides tailored advice on credit rehabilitation strategies and deposit accumulation plans. Maintains high customer satisfaction ratings for clear communication and process transparency.

Questions

Can I get a mortgage with bad credit?

Yes, we specialise in mortgages for applicants with adverse credit histories including CCJs, IVAs, and bankruptcies. Our brokers access specialist lenders offering rates up to 95% LTV.

How much deposit do I need for a bad credit mortgage?

Minimum deposits start at 5% (95% LTV) for standard adverse cases, with 15% (85% LTV) required for IVA or bankruptcy cases. Exact requirements depend on individual circumstances.

Do you charge upfront fees?

No, we operate a no-upfront-fee model. Payment only occurs when you receive a formal mortgage offer from the lender.

How long does the mortgage process take?

Average processing time is 4-6 weeks, with some cases completed in as little as 4 working days. Timelines depend on documentation completeness and lender requirements.

Are you FCA regulated?

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA No 745164) and entered on the Financial Services Register.

Can I remortgage with bad credit?

Yes, we help clients remortgage to release equity or secure better rates despite adverse credit histories. Our brokers access specialist lenders offering competitive remortgage products.

Reviews (5)

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Marc Burnett

Dec 27, 2021 Report

As an aggressive investor, my world came crashing down when a mortgage application to expand the buy to let portfolio was declined. I wasn't prepared to take no for an answer. I realised that I no longer attracted the interests of the traditional high street lenders so I was open to exploring what, if anything, was possible. So one evening, I came home and just began COLD CALLING brokers that were WORKING LATE INTO THE NIGHT and had a few minutes to talk to me. Matthew from SIMPLY answered and in his professional style asked me to send him some documents for him to assess if he can assist. Within

Matthew Sisto

Dec 15, 2021 Report

I am so pleased we found Simply adverse!! Having tried 2 other mortgage brokers beforehand I was beginning to lose hope that we would find a mortgage that suited our financial position, but we did with Simply Adverse. They were professional, non-judgemental, and extremely detailed in collecting all the documents, so that when it came to the mortgage application it was pain free. I strongly recommend the team, and big thank you to them for all their help. :)

Mark Smith

Dec 07, 2021 Report

Positive:Professionalism,Responsiveness
A big Thank You to Jenny Reeves and the team for guiding us every step of the way to getting our remortgage offer in what was a very difficult case due to age and credit rating. Kept us informed and advised us at every step and great intermediary to the mortgage underwriters.

Gianni Lettieri

Dec 07, 2021 Report

My experience with Simply was nothing short of first class. Kind and understanding staff were able to deal with my every request at all stages of the process. I felt constantly in the loop and that all questions were not only welcome but handled in a swift and highly professional manor. I would like to highlight the outstanding care I received from Nicole Gee in particular who truly gave me a reassuring and incredibly efficient experience with simply, leaving me certain to recommend them to anyone!

Rajit Kolamunne

Nov 29, 2021 Report

We are pleased to work with Simply to secure the mortgage. All the girls delivered a wonderful job efficiently without much waiting. Our big thanks are going to Jeeny for initiating the case and many thanks for Liz and Kerry for in house underwriting & submission. Thank you so much Georgia for updating the progress until we get the offer. Have a wonderful holiday season everyone.