"How can we help you?"
How can we help you today?
Easy and simple as 1,2,3 !
1
Call or email us to discuss your circumstances and mortgage needs
2
Provide your details, inc earnings & outgoings, any key facts etc.
3
We get hard at work finding the right deal for you !
For Impartial Mortgage advice
- 90+ Lenders / 12,000 deals
- 23+ Years experience
- FCA Regulated
- Equity Release Council Member
.

People just like you, that wanted the assurance of dealing with someone,
that would listen. to what they wanted…








AffordAbility+ get upto 7 x income
A lender will now offer upto 7 X Joint Income – Boosting affordability for First Time Buyers and Homemovers alike!
You have to take the lenders 10 year fixed rate – but the boost in borrwoing could be just what you need to get that new dream home !
Examples
With an average high-street lender, two borrowers on a combined £60k salary could borrow £310k.
With AffordAbility+ they could borrow over £393k – that’s a whopping +£83k more.
To break it down:
- The average on the high street (of the big six) would be £310k.
- Two clients with a £60k combined salary at 80% LTV could borrow up to £393,658 with our current 10 year product (5.45%).
- For example, with HSBC the loan size would be up to £285k and with Barclays or Santander up to £300k.
The products offer certainty and if life changes, we provide the flexibility of no ERCs when moving home or making uncapped overpayments.
Key Requirements
- Household income of £50k + per annum ( £50k can be from single or joint incomes combined )
- Employed & Self employed ( S/E is average of last 2 years tax returns)
- No Adverse credit, ccjs, defaults or arrears in last 3 years
- Max LTV = 85% purchases & remortgages
- (Interest only available max 60% LTV & min equity £200k )
Self Employed with 1 years accounts ?
Self-Employed? Getting a Mortgage Doesn’t Have to Be This Hard…
- 34% of self-employed people have never even applied for a mortgage?
- Another 26% said they’ve heard horror stories—that the process is harder, slower, more complicated just because they’re self-employed.
- And 15% said they didn’t even try, because their business was under two years old and they thought they wouldn’t qualify.
- 25% found it hardest just to locate a lender who’d even work with them
- 18% struggled to find a broker who understood how self-employment works
- 28% were unclear about what documents they’d need or how to present their income properly
- And nearly 50% said the toughest part was saving for a deposit while juggling the ups and downs of running a business
- Match you with lenders who actually want to work with self-employed borrowers
- Guide you through what paperwork you’ll need (and avoid asking for anything unnecessary)
- Help you present your income in the best possible light—even if your finances look “non-traditional”
- Support you through the entire journey—from first enquiry to offer accepted
Mortgage Advice how brokers can help.
Navigating the mortgage process can be daunting, but working with mortgage advisers can make it more manageable. Mortgage brokers are professionals who act as intermediaries between borrowers and lenders, helping individuals find suitable mortgage options based on their unique financial circumstances. Here are some benefits of working with a mortgage broker when seeking a mortgage with a bad credit score:

Adverse Credit? You’re Not Out of Options — You Just Need the Right Lender.
At Quest Finance, we specialise in helping people who’ve had credit issues in the past—whether it’s a few missed payments or a major life event that threw everything off track. Getting a mortgage with adverse credit isn’t impossible—it just means working with someone who knows how to navigate it.
And guess what? We do.
with access to a wide range of lenders: Mortgage brokers have access to an extensive network of lenders, including those specializing in mortgages for individuals with low credit scores. This increases the chances of finding a suitable mortgage option.
6 Powerful Reasons to Trust Us with Your Adverse Credit Mortgage
- Defaults? CCJs? Not a Deal Breaker – We work with lenders who will still consider you with up to 6 defaults or CCJs in the last 3 years. Even if they’re not satisfied yet—we’ve still got options at up to 75% LTV.
- Missed Payments? You’re Not Alone – Even if you’ve had secured arrears or missed payments, lenders may accept you with just 13–24 months’ clear history, depending on your profile.
- Discharged from Bankruptcy or IVA? Welcome Back. – If you’ve been discharged from Bankruptcy, DRO, IVA, or a Trust Deed for over 3 years, you can qualify for mortgages up to 75–85% LTV. That’s real progress.
- Still in a Debt Management Plan? You’re Still in the Game – Some lenders we work with will still consider you even if your DMP is active—as long as you’ve kept up payments. You don’t have to wait years to move forward.
- Payday Loans? We Won’t Judge – Used payday loans in the last year? We’ve got lenders who accept current usage—even when many others would automatically decline you.
- Up to 90% LTV Available — Even with a History Depending on your circumstances, you could still get up to 90% loan-to-value. That’s just a 10% deposit—even with past credit issues.
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No Judgment. Just Solutions.
Expert guidance and knowledge
Expert guidance and advice: Mortgage brokers are knowledgeable about the mortgage industry and can provide valuable guidance and advice throughout the application process. They can help individuals understand the impact of their credit score, suggest strategies for improvement, and assist with assembling the necessary documentation.
time-saving for you!
Time-saving: The mortgage application process can be time-consuming and complex. Mortgage brokers streamline the process by handling paperwork, communicating with lenders, and ensuring all necessary documentation is submitted correctly and on time.
Working with a mortgage broker can alleviate the stress and uncertainties associated with securing a mortgage with a bad credit score. Their expertise and industry connections can greatly improve the chances of obtaining a favourable mortgage despite the credit challenges.

Exploring alternative mortgage advice options for high net worth individuals
Mortgage advice for High net worth individuals who have low credit scores often face unique challenges when seeking a mortgage. Traditional lenders may be hesitant to provide financing due to credit concerns, even if the individual has substantial assets. However, there are alternative mortgage options available for high net worth individuals with low credit scores:
Credit scores impact mortgage eligibility.
If you’re looking for Mortgage Advice perhaps you are looking to become a first-time homeowner. so it may seem that certain obstacles may come your way, especially if you have a low credit score. Don’t panic, though! Your credit score is a critical factor in determining your eligibility for a mortgage, and it helps lenders evaluate the level of risk involved. Knowing how credit scores work and how they affect your mortgage application is crucial.
Your credit score is calculated using various factors such as payment history, credit utilization ratio, and length of credit history. additionally, it also covers new credit accounts and credit mix. This information is analyzed by credit bureaus like Equifax, Experian, and TransUnion to generate a three-digit score. The higher the credit score, the better the chances of getting a mortgage with favourable terms.
We understand it can be hard if you’re dealing with a low credit score, but don’t worry, there are ways to improve it. Having a low credit score doesn’t mean you’ll get outright rejected for a mortgage. It just means you might have higher interest rates and stricter conditions. Therefore, it is essential to take proactive steps to improve your credit score before applying for a mortgage and to get good mortgage advice.
why mortgage advisors can help
- When it comes to finding the best mortgage lenders in your area, a mortgage advisor can be an invaluable resource. With their expertise and knowledge of the local market, they can guide you through the process and help you make informed decisions. Whether you’re a first-time homebuyer or looking to refinance. A mortgage advisor can provide personalized recommendations based on your specific needs and financial situation.
- If you’re in search of low-rate mortgages, it’s essential to consult with mortgage advisers near you. These professionals specialize in connecting borrowers with lenders who offer competitive interest rates. By working with a mortgage broker, you can access a network of lenders and gain access to exclusive deals that may not be available to the public. Their expert advice can help you navigate the complexities of the mortgage market and secure a loan that aligns with your financial goals.
- Don’t underestimate the value of speaking to a mortgage advisor when it comes to finding the best mortgage lenders. With their in-depth knowledge of the industry, they can provide valuable insights and guidance throughout the entire process. From assessing your financial situation to comparing loan options, a mortgage advisor can help you make well-informed decisions that will save you both time and money in the long run. Their expertise can be particularly beneficial if you’re a first-time homebuyer or if you’re looking to refinance your existing mortgage.
- When you’re on the hunt for low rate mortgages, reaching out to a mortgage broker near you is a smart move. These professionals have a finger on the pulse of the mortgage market and can help you find lenders who offer competitive rates. By leveraging their expertise, you can increase your chances of securing a loan with favourable terms and conditions. A mortgage broker can also assist you in navigating the application process, ensuring that you provide all the necessary documentation and meet the lender’s requirements.


FCA WARNING, FEE’S AND JURISDICTIONAL INFORMATION
MORTGAGES – THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT
CONSOLIDATING UNSECURED DEBTS – Think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or secured loan. IF YOU CONSOLIDATE EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
EQUITY RELEASE – This is a Lifetime Mortgage. These are only applicable to those 55 and over, and it could affect eligibility to state means-tested benefits and the inheritance you may leave. To understand the features and risks, ask for a personalised illustration. Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes. Quest Finance Ltd also Trading as Quest Finance – is an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £995 and this will be discussed and agreed with you at the earliest opportunity.
Quest Finance Ltd is registered in England and Wales, with company registration number: 12267927. Registered Office: 21 Laneham Close, Doncaster DN4 7HX
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. By submitting an enquiry form you agree that the information provided is true and accurate and that a mortgage advisor may contact you for further information as required.
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