For adverse/bad credit mortgages the overall cost for comparison is 5.2% APR

Your home may be repossessed if you do not keep up repayments on your mortgage

  • Bank Declined We Could Turn It Around

    Bank Declined We Could Turn It Around

  • We Have Helped 1000's Of Bank Declined Customers

    We Have Helped 1000's Of Bank Declined Customers

  • Whole Of Market Advice

    Whole Of Market Advice

  • Fast Approval

    Fast Approval

  • Over 60 Years Combined Mortgage Experiance

    Over 60 Years Combined Mortgage Experiance

  • Bad Credit No Problem

    Bad Credit No Problem

Being declined by a bank for your mortgage does not mean you are not eligible for a mortgage it just means you haven’t met that particular banks criteria. We have over 120 years of combined experience helping clients get a mortgage when their bank has said no.

So how do we do it? We are an independent mortgage broker who look beyond your credit history and assess you as an individual. We take into account your personal circumstances and aim to quickly secure you a mortgage. With access to the best mortgage providers in the UK, we give our customers a fighting chance of getting a mortgage as opposed to your bank only viewing you against one set of criteria.

There may be a fee payable for our mortgage advice and arrangement, our typical fee is £499. The precise amount will depend on your circumstances, but will be no more than 2% of the loan amount.

Buying Your First Home

Being turned away by your bank as a first time buyer can be a daunting and unsettling experience. We could help you secure a mortgage and get on the property ladder.

Changing Your Mortgage

Have you come to the end of your current mortgage deal and need advice on getting the best deal after being turned down by a bank. Contact us today and see how we could help.

Self Employed?

Being self employed can bring you many struggles when gaining approval for a mortgage. At help the bank said no we work with self employed and company directors to get them the mortgage they need.

Sorry you didnt meet criteria?

Are the most frustrating words a mortgage adviser can say to you. We are whole of market so can match your circumstances across many lenders giving you greater options to meet a lenders criteria.

  • I found PFS a friendly, helpful and professional company.
  • Thank you for all your help and patience
  • We would like to take this opportunity to thank Ian for his professional friendly approach. He was honest and genuinely put us in the right direction. We would totally recommend the company and use them again in the future many thanks
  • I am very happy with the service I had from PFS and also would like to thank Suzanne Maccabe for helping me and keeping me updated.

Help The Bank Said No are here to help you if you have been declined for a mortgage by a high street bank. Although this not the only people we can help our team of experience mortgage brokers have over 60 years combined experience in getting clients with poor and bad credit a mortgage. Do you feel having one of the following may reduce your chance of getting a mortgage?

No credit history

Low credit score

Late payments

Missed mortgage payments




Debt management Schemes



You could be wrong are team of bad credit mortgage brokers may be able to help you, call us today on 0345 017 0863 for an initial consultation. The difference between getting a mortgage and not can be as simple as receiving quality mortgage advise from an experienced team of brokers.

Building are business on helping clients who have a poor credit history get a mortgage has bought it challenges. Although they are completely outweighed by the reward for helping a client who thought they did not have an option. Keep an eye an eye out for recent news on mortgage changes that could help you.

Mortgage Brokers For Bad Credit

Majority of our existing clients started exactly where you are today looking for a mortgage with growing concerns as to whether they will get approved or not. We understand how keeping up to date with lenders criteria and changes in the mortgage market is crucial for are clients to succeed. This is why the team at help the bank said no take their time to understand the market as well as the changing needs of our clients. We focus on ongoing relationship if you have a poor credit history you may not be eligible for every deal in the market place but this does not mean you won’t be in the future. We pride ourselves on actively managing our client base to ensure that when your existing mortgage deal is up e can help you secure anew mortgage based on your circumstances at that time.

Mortgage advice for bad credit

We believe the only way to truly help our clients is to be completely focused on them. Unlike some bad credit mortgage brokers we are not out for ourselves we understand the importance of client relationships and look to build sustainable relationships through customer focused mortgage advice. We have all been in the industry to long to work in any other way.

Just because you have a poor credit history it does not mean you are only eligible to borrow of one or two lenders for your mortgage. We are constantly upgrading and adding new lenders to our panel and to make sure you are getting a fair choice and good mortgage advice for your current circumstances.

We don’t just focus on getting a mortgage approved for you we want to get you the best mortgage for you. The team at help the bank said no has different areas of expertise and once we have received a copy of your credit profile we will pass it on to the most suitable mortgage broker for your situation. Mortgage advice is not a one size fits all approach at Help The Bank Said No you will receive a truly bespoke service form your expert bad credit mortgage broker.

You may be pleasantly surprised and we may be able to offer you a mortgage from a high street lender, sometimes what are clients believe is a poor credit history isn’t always as bad as it seems. If not with an extensive panel of lenders and expert knowledge on helping clients with poor credit get mortgages we will do are best to help you.