Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Poor Credit
Adverse Credit Doesn't Mean No Options
Missed payments, CCJs or a damaged score shouldn't stop you. We work with specialist lenders who understand your story and find solutions that fit.
300+
Wealth of lenders in the market
20k+
Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
High-street lenders often decline applications with CCJs, defaults, arrears or a thin credit file. Specialist lenders take a broader view — your deposit, income stability and how long ago issues occurred.
We explain what is realistic, prepare your case carefully, and search lenders who regularly help borrowers with adverse or poor credit histories.
Whether you are buying your first home, remortgaging, or moving, we focus on solutions that fit your circumstances — not a one-size-fits-all decline.
Speak to an Expert
Why Choose Us For Poor Credit?
- Access to specialist adverse-credit lenders
- Honest advice on what is realistically available
- Support with CCJs, defaults, arrears and missed payments
- Help rebuilding options after past credit issues
- Whole-of-market search beyond high-street banks
- Careful case presentation to improve your chances
- Plain-English guidance with no obligation
How Much Can I Borrow?
Get a quick estimate based on your income — then speak to an adviser for a precise figure.
Estimated Maximum Borrowing
£ 0
Indicative only. Adverse-credit lending depends on deposit, credit history and lender criteria — speak to an adviser for a precise figure.
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share your credit history, income, deposit and goals honestly. We outline realistic options with no judgement and no obligation.
02We Compare The Market
Your adviser searches specialist lenders who regularly help borrowers with poor or adverse credit.
03We Find The Deal
We present your case carefully, manage the application and support you through to offer and completion.
Our Mortgage Services
First-Time Buyer
Buying your first home? We'll guide you through every step — deposit, affordability, offer and completion.
Read More
Remortgage
Save money or release equity when your current deal ends. We'll find your best available rate.
Read More
Buy to Let
Looking to invest in property? We'll help you find the right buy-to-let mortgage for your portfolio.
Read More
Poor Credit
Adverse credit doesn't mean no options. We work with specialist lenders who understand your story.
Read MoreCommon Poor Credit Questions
Often yes. Specialist lenders look at the severity and timing of credit issues, your deposit and income. We will be honest about what is available for your situation.
Not always. Many lenders accept satisfied or older CCJs and defaults. Recent or multiple issues can limit options, but specialist routes may still exist.
Often a larger deposit helps, as it lowers loan-to-value and widens lender choice. We will show you what deposit levels open more competitive products.
Specialist products can carry higher rates than prime high-street deals. We still aim for the most competitive option available for your credit profile.
Typically ID, proof of address, income evidence, bank statements, deposit source and details of any credit issues. We provide a tailored checklist for your case.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
