Business Details
Specialist Adverse Credit Mortgage Brokers
Established to address the complexities of adverse credit mortgages, SN Mortgages specialises in helping individuals with poor credit histories secure property financing. Our team combines extensive industry experience with in-depth knowledge of niche lending criteria, offering tailored solutions for clients facing challenges such as missed payments, defaults, CCJs, IVAs, and bankruptcy. We maintain strong relationships with a panel of specialist lenders, ensuring access to products unavailable through traditional high-street providers.Our approach prioritises thorough financial assessments, transparent communication, and long-term client support, including insurance and remortgaging guidance. With a proven track record of success in complex cases, we provide a professional, empathetic service that has earned consistent five-star client testimonials. Our regulatory compliance and FCA authorisation underscore our commitment to ethical standards, while our fee structure reflects the value of expert advice in navigating non-standard mortgage applications.
Services
Adverse Credit Mortgages
Product Transfers
Second Charge Mortgages
Bridging Loans
Government Schemes
Contractor Mortgages
Remortgaging
Insurance Services
Highlights and features
- We specialise in adverse credit mortgages with 15+ years of industry experience
- Our team maintains direct relationships with 20+ specialist lenders
- We offer transparent fee structures with no hidden costs
- Our FCA-authorised status ensures regulatory compliance and client protection
- We provide end-to-end support including insurance and remortgaging guidance
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Highly recommend
Exceptional support
Transparent communication
Successful outcomes
Services
Adverse Credit Mortgages
Specialist mortgage solutions for clients with adverse credit histories, including defaults, CCJs, IVAs, and bankruptcy. We access niche lenders unavailable through traditional channels, offering tailored applications that consider individual circumstances. Our expert team provides comprehensive guidance through the entire process.
Product Transfers
Mortgage rate remodelling services that help clients switch to better deals without changing lenders. We analyse existing agreements to identify savings opportunities, handling all negotiations and paperwork for seamless transitions to more favourable terms.
Bridging Loans
Interim financing solutions for property transactions requiring quick completion. Available for clients needing temporary funds between property sales or investment opportunities, with flexible terms and expedited processing through specialist providers.
Government Schemes
Expert guidance on government-backed mortgage initiatives including Shared Ownership, Right to Buy, and Help to Buy. We help clients navigate eligibility requirements and application processes for these specialist programmes.
Contractor Mortgages
Tailored mortgage solutions for contractors, freelancers, and self-employed individuals. We work with lenders that accept non-traditional income verification methods, ensuring fair assessment of earning potential and financial stability.
People
Steven Neale
Mortgage Broker
FPC and CeMAP qualified mortgage specialist with 15+ years' experience in adverse credit lending. Steven established SN Mortgages to address gaps in the market for complex cases, developing relationships with specialist lenders while maintaining FCA compliance.
Sue Neale
Mortgage Consultant
Experienced mortgage consultant supporting complex applications with meticulous attention to detail. Sue manages documentation and lender communications, ensuring smooth processing for clients with adverse credit histories.
Questions
Can I get a mortgage with bad credit?
Yes, we specialise in adverse credit mortgages. Our panel of specialist lenders considers applications with missed payments, defaults, CCJs, IVAs, and bankruptcy.
How do you differ from high-street mortgage providers?
We focus exclusively on complex cases, maintaining relationships with 20+ specialist lenders unavailable through traditional channels. Our FCA-authorised team provides tailored solutions for challenging financial situations.
What government schemes do you support?
We assist with Shared Ownership, Right to Buy, and Help to Buy schemes, offering expert guidance to clients with adverse credit histories.
Do you charge upfront fees?
No, we operate a transparent fee structure with no upfront payments. Our charges are only applied upon successful mortgage completion.
Can contractors get mortgages through your service?
Yes, we specialise in contractor mortgages, including CIS, directors, and self-employed applicants with non-standard income arrangements.
What insurance products do you offer?
We provide life insurance, critical illness cover, payment protection, and buildings/contents insurance tailored to mortgage requirements.
