Business Details
Expert Adverse Credit Mortgage Solutions in High Wycombe
At S N Mortgages & Financial Services & Financial Services, we specialise in providing tailored mortgage solutions for individuals with adverse credit histories. With over two decades of combined experience in the financial services sector, our team understands the complexities of securing a mortgage when faced with challenges such as missed payments, defaults, CCJs, IVAs, or bankruptcy. Our approach is rooted in transparency, professionalism, and a commitment to finding the right lending solutions for each client's unique circumstances. We work closely with a panel of specialist lenders and utilise our in-depth knowledge of underwriting criteria to ensure applications are submitted to lenders most likely to approve them.Our services extend to government-backed schemes like Shared Ownership and Right to Buy, as well as product transfers, second charge mortgages, and bridging finance. As an FCA-authorised firm, we prioritise client protection and maintain rigorous compliance standards while delivering personalised advice that addresses both immediate needs and long-term financial goals.
Services
Adverse Credit Mortgages
Government Schemes
Contractor Mortgages
Product Transfers
Second Charge Mortgages
Bridging Loans
Mortgage Protection Insurance
IVA Support Mortgages
Self-Employed Mortgages
Remortgaging Solutions
Highlights and features
- FCA-authorised firm ensuring regulatory compliance and client protection
- Certified mortgage advisors with CeMAP qualifications
- Specialist access to 30+ adverse credit lenders
- Proven track record with 100+ 5-star client testimonials
- Personalised case management from application to completion
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Instrumental in helping
Professional throughout
Excellent service
Highly recommend
Services
Adverse Credit Mortgages
Specialist mortgage solutions for clients with adverse credit histories including defaults, CCJs, IVAs, and bankruptcy. Our experienced brokers match clients with lenders offering competitive rates based on individual circumstances. We provide comprehensive guidance through the application process while maintaining strict compliance with FCA regulations.
Government Schemes
Expertise in government-backed mortgage initiatives like Shared Ownership and Right to Buy. We help clients navigate eligibility requirements and application processes for schemes designed to increase homeownership accessibility. Our team ensures clients understand financial obligations and long-term implications of these programmes.
Contractor Mortgages
Tailored mortgage solutions for contractors, CIS workers, and self-employed professionals. We work with lenders that specialise in non-traditional income verification, ensuring fair assessment of earning potential. Our brokers optimise applications using industry-specific underwriting criteria.
Second Charge Mortgages
Alternative financing options for clients requiring additional funds against property equity. We connect clients with specialist lenders offering competitive rates while ensuring clear understanding of repayment obligations and risk factors associated with second charge mortgages.
Bridging Loans
Interim financing solutions for property transactions requiring quick completion. Our brokers facilitate access to bridging loan providers with flexible criteria, while ensuring clients understand associated costs and exit strategies for these high-interest, short-term loans.
People
Steven Neale
Mortgage Broker & Director
With over 20 years' experience in financial services, Steven specialises in adverse credit mortgages. He holds FPC Levels 1-3 and CeMAP qualifications, providing expert guidance to clients with complex financial histories. His client-centric approach focuses on long-term financial wellbeing.
Sue Neale
Mortgage Advisor
Sue supports mortgage applications with meticulous attention to detail. She manages documentation processes and client communications, ensuring smooth transactions. Her expertise in adverse credit cases complements Steven's strategic oversight, delivering comprehensive service to clients.
Questions
Why use a specialist adverse credit mortgage broker?
Our expertise in niche lending criteria prevents costly application rejections. We access 30+ specialist lenders and provide FCA-regulated advice tailored to complex financial situations.
How do you help clients with bad credit histories?
We analyse credit files to identify suitable lenders, explain adverse credit impact periods, and present applications using lender-specific criteria to maximise approval chances.
What if you can't find a mortgage for me?
We'll explain current ineligibility factors and provide actionable steps to improve mortgage readiness, including credit file optimisation strategies and timeline projections.
Do you charge upfront fees?
No fees are charged until we secure a mortgage offer. Our transparent fee structure is explained during initial consultations with no hidden costs.
How do government schemes work?
We explain Shared Ownership and Right to Buy eligibility requirements, financial commitments, and application processes to determine suitability for your circumstances.
Can contractors get mortgages?
Yes, we work with lenders that specialise in contractor income verification, using day-rate calculations and contract history to demonstrate affordability.
Reviews (5)
Rita Gulati
Nov 24, 2021
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Positive:Professionalism
SN mortgages have been very helpful in that they managed to get a mortgage for us which no other company could help with. Our case was held in a very professional manner and we would recommend the company to everyone.
SN mortgages have been very helpful in that they managed to get a mortgage for us which no other company could help with. Our case was held in a very professional manner and we would recommend the company to everyone.
Dave Button
Apr 21, 2021
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Absolutely amazing service from Steve, after being turned by by other lenders, he managed to get the mortgage i required to pay off all my outstanding debts along with a better deal than my previous mortgage.
would recommend to anyone. Thank you.
would recommend to anyone. Thank you.
Richard Howe
Jan 25, 2021
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Our second mortgage arranged by Steve & Sue - Outstanding Service, excellent level of support complimented by excellent communications. We have every confidence in both Steve & Sue supporting us through the mortgage maze. On both occasions the process has been seamless - We can highly recommend the services of this amazing company - where customers come first.
Alice Graddon
Jan 20, 2021
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I am absolutely thrilled at the service I have received. After failing to get a mortgage through standard lenders, I had given up hope on being able to move so I am very happy to have found Steve and Sue. They were helpful and extremely supportive, especially given our very tight timeline, and were able to find a mortgage that suited me. I would absolutely recommend them!
Lee Cathcart
Jan 17, 2021
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Positive:Professionalism,Responsiveness
During very difficult COVID times, Steven and Sue were always just a phone call away to answer all our questions and concerns. Their knowledge found us a great mortgage. Their personal touch really is the difference. Cannot recommend highly enough.
During very difficult COVID times, Steven and Sue were always just a phone call away to answer all our questions and concerns. Their knowledge found us a great mortgage. Their personal touch really is the difference. Cannot recommend highly enough.
