Mortgage and protection for those with imperfect credit.
If you’ve had past credit issues, securing a mortgage can feel like an uphill battle. But that doesn’t mean homeownership is out of reach, we’re here to help you get where you want to be.
We’ve got your best interest at heart.
Previous credit challenges?
Struggled with missed payments, defaults, or CCJs? Been rejected by mainstream lenders? We know that your past doesn’t define your future. That’s why we specialise in helping people with imperfect credit find the right mortgage.
With access to specialist lenders that accommodate more challenging situations, we can help you to secure your next step in property.
Tailored mortgage solutions for those with credit challenges.
If you’ve ever faced rejection due to past financial issues, struggled to prove your financial recovery, or been confused by conflicting advice, we can help.
Many lenders apply strict rules that don’t account for individual circumstances. We work with lenders who take a more flexible approach, considering your whole financial picture - not just your credit history.
Overcoming the challenges.
Past credit issues affecting approval
We work with lenders who specialise in helping those with a less-than-perfect credit history.
Difficulty proving financial improvement
We present your current financial stability in the best possible way.
Perceived longer, more complex approval process
We simplify the process and guide you through each step.
Conflicting information on eligibility
We provide clear, honest advice on what’s possible.
Larger deposit requirements
We explore ways to work with available resources and find solutions that fit your budget.
Limited lender options
We have access to specialist lenders who understand your situation.
We’re here.
Whether it’s questions about your current mortgage, switching to a new deal, moving house or looking to protect your income, we’re here for you.
With our office in Monmouthshire and a network of colleagues across South Wales, Somerset and London, we’re never far away.
Quickly and easily book a call with us using the link below.
Our Approach
1. Discovery Call
This is where it all starts; we want to get to know you and what you need from us, our 30 minute strategy call is a great time to ask any initial questions and lay out our working relationship.
2. Fact Find
Using the latest technology we collate all the relevant documents and information from you securely allowing us to provide you high quality advice.
3. Advice & Application
Following extensive research of the market, we will provide our advice and recommendation ready for application. We then run through all the documents with you so you’re informed to make the right decision for you.
4. Progress to Completion
Personally managing the process from start to finish, from offer issue to completion as swiftly and efficiently as possible. Questions during the process? We’re here.
“We can't recommend Jonathan Southgate and the team enough!”
“Selling and buying houses is certainly not stress free. On top of that, navigating the world of mortgages, especially during a time of increased uncertainty with cost of living rises, interest rates and upcoming elections, is not straightforward. We used Sterling Southgate as our mortgage advisor which took away a big part of that stress and worry, giving us the right options for our current and potential future circumstances, supporting us along the house selling/buying journey.”
Sam & Alex. (June 2024)