Adverse and Poor Credit Mortgages

We are the West Country’s leading subprime mortgage brokers. Even in today’s market where the appetite to lend on risky cases is somewhat subdued, we are still achieving high results. We have clients from all over the UK who have failed with applications with the normal high street lenders, but we have acquired that elusive mortgage for them.

Reasons why someone will be declined for a mortgage:

  1. County Court Judgement
  2. Default
  3. Arrears
  4. IVA
  5. Bankruptcy
  6. Low credit score
  7. Other factors

There are many reasons why someone will be declined for a mortgage. Some are obvious as listed below, and other reasons are not so obvious and may need further investigation.

Do not despair or believe you have no chance at all. With our access to the whole of the market and our expertise, Westexe are able to help. Over the years we have been able to successfully get the mortgage our satisfied customers wanted. Contact us now for help getting a bad credit mortgage..

County Court Judgement

A CCJ is a judgement that a county court issues when someone has failed to pay money that they owe. CCJs are a simple way for creditors to claim the money they’re entitled to.


The failure to promptly pay interest or principal when due.



Overdue debt, liability or obligation.

An account is said to be “in arrears” if one or more payments have been missed in transactions where regular payments are contractually required, such as mortgage or rent payments and utility or telephone bills.



An IVA has to be set up by a licensed professional called an Insolvency Practitioner (IP).



A first time bankrupt with debts will generally receive their discharge one year after the date of the bankruptcy order. (There is the possibility that in some cases the bankruptcy discharge period will be less than one year).

Low credit score


A credit score is primarily based on credit report information typically sourced from credit bureaus. Learn how to build up your credit score and read our 5 Easy Ways To Boost Your Credit Score.

Other factors

Although the above are probably the main reasons why people can be declined for a mortgage, other factors can also be taken into account by mortgage lenders.

For example, a late payment on a credit card or mobile phone can cause an application to be declined.

At Westexe, the answer is “YES!”

These days it is all too familiar for people to be declined for a mortgage for no apparent reason, or for people to just feel that they are unsuitable and therefore they do not even try.

At Westexe, we have had years of experience in helping people get a mortgage who:

The answer is “YES!now, what’s the problem?” Contact us now for help in getting that mortgage no matter what your circumstances are.


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