Mortgage brokers & financial services provider 
Here at Vickers Young we have considerable experience dealing with cases that involve elements of bad credit. 
 
We can assist you whether you have multiple missed payments, you have active or settled County Court Judgements. We have lenders that will lend to clients who have been bankrupt in the past or have current active or completed Individual Voluntary Arrangements. 
 
As part of the process we will review your whole credit file and discuss all cases in detail with the lender prior to submission ensuring that your case has the best chance of being accepted without having repeated checks on your credit profile. 
We also deal with lenders who don’t check your credit score but will review anything on the credit report and form a holistic view of the case. 
For these cases lenders will often restrict how much you can borrow. However we have a large selection of lenders and have got offers for clients with adverse  
credit at higher loan levels than other brokers can obtain due to our “representative whole of market” approach. 
If you have been having trouble with your existing broker / Estate Agent / Bank in obtaining a mortgage offer get in touch as we can help you! 

Case Studies 

Please see below some examples of cases that we have successfully achieved offers on: 
Client C and Client D had a CCJ and a Default each registered within the last 2 years.  
 
We obtained an offer for them at  
10% deposit level. 
Client X had 4 x County Court Judgements lodged against him. He also had 3 Satisfied and 1 Unsatisfied Default. Additionally he had a recent missed utility bill payment– Mortgage offer obtained with 20% deposit lender wanted written statement confirming the history around the credit issues then offered  
the next day. 
Client A had a 2 year old default and an active Individual Voluntary Arrangement.  
 
Mortgage offer obtained at 15% deposit. 
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