This is one that we love, being able to say yes when so many of our clients have previously been told no, If you don’t believe us check out our 5* reviews!

Adverse/Impaired or Bad Credit as some may say can be a revolving door of rejection for most people until they meet with us. It’s never a no, on some occasions it’s a ‘not right now’. We will always strive to provide and deliver the best possible outcome subject to your needs and circumstances with a great understanding of the specialist lending market and criteria we’re proud to have been able to help so many of our clients that didn’t think it was possible.

From missed and late payments to defaults, CCJ’s, Debt management plans, payday loans, Trust Deeds (Scotland), IVA’s – We have a wide range of lenders from across the market and great contacts with business development managers we can go the extra mile to give you as much information as you need and hopefully make your home buying dream, a reality.

Generally considered niche and specialist where fees are astronomically high just to speak to someone or for someone to help you, we’re breaking that mould. Generally speaking most lenders like to see squeaky clean credit profiles but we know life doesn’t work this way, which is why we do what we do.

If you are curious about how we can help, too afraid to reach out, don’t be – We wont bite, what we will do is create a pan of action. If you would like to know how we can assess your credit file we have partnered up with Check My File – You can try it FREE for 30 days, then it will be £14.99 per month – You can cancel anytime once you have downloaded your report at no cost if within the 30 day free trial period using the following link

Please be aware that by clicking onto the above link you are leaving the North to South Financial Services Ltd website. Please note that neither North to South Financial Services Ltd nor PRIMIS mortgage network are responsible for the accuracy of the information contained within the linked site accessible from this page.

This gives us access to 4 credit reference agencies and a whole host more information to allow us to give you the best advice.

Your home may be repossessed if you do not keep up repayments on your mortgage