Expert Mortgage Advisors for Adverse Credit Across Liverpool and Merseyside
Rejected by a high street lender? Past credit issues don’t have to prevent you from buying a home or remortgaging. Revolution Financial Services specialises in adverse credit mortgages across Liverpool, working with lenders who look beyond your credit score and manually assess your application without credit scoring.
Rejected by a high street lender? Past credit issues don’t have to prevent you from buying a home or remortgaging. Revolution Financial Services specialises in adverse credit mortgages across Liverpool, working with lenders who look beyond your credit score and manually assess your application without credit scoring.
Based in Wirral and Merseyside, we serve clients with adverse credit across the entire Liverpool area, including the City Centre, North Liverpool, and the Southern suburbs. With over 50 years of combined experience and whole of market access, our FCA-regulated advisors know which specialist lenders will consider your application and how to present your case for the best possible rates.
Book your free, initial, no-obligation consultation today.
Your home maybe repossessed if you do not keep up repayments on your mortgage.
Adverse credit refers to negative markers on your credit file that mainstream lenders may view as risk factors. These include missed payments, County Court Judgements (CCJs), defaults, Individual Voluntary Arrangements (IVAs), Debt Management Plans (DMPs), bankruptcy, repossession, or payday loans.
Specialist adverse credit lenders assess applications individually and consider factors like how long ago the issue occurred, whether it’s been satisfied, and your financial stability since.
As specialist adverse credit mortgage brokers in Liverpool, we understand which lenders accept specific types of adverse credit. We also know what deposit levels they require, and how to structure your application to maximise approval chances.
We review your credit file, discuss your history openly, and give you realistic expectations.
We work with adverse credit lenders who assess applications case by case rather than using automated credit scoring.
We advise whether to apply now or wait, and ensure you only apply to lenders likely to approve you.
We negotiate the best terms available and advise on remortgaging to better deals once your credit improves.
We support buyers with adverse credit across Liverpool’s most popular areas, including Aigburth (L17, L19), Allerton (L18), Mossley Hill (L18), Woolton (L25), and Garston (L19). Our advisors understand local property values and work with lenders comfortable with Liverpool postcodes.
We work with lenders who consider the reasons and timing, especially if issues are over 12 months old.
We have access to lenders who specialise in these circumstances and can often secure mortgages even before discharge.
Several specialist lenders will consider applications typically 2 to 3 years after discharge.
Specialist lenders assess circumstances individually and take a pragmatic view of your current financial position.
We were so happy with the advice Brendan gave us!
Very accessible and made the process smoother!
We both were delighted with Brendan’s services and would highly recommend him!
Nothing was too much, all questions were answered within 10 minutes of us sending a message! Absolutely brilliant! No issues at all, I would highly recommend!
Would put Brendan’s name forward to anyone who mentions needing a financial advisor. Made everything smooth and seamless.
Our financial advisor was really helpful throughout our buy process and we would definitely recommend him to any we know that is planning on buying a house.
Brendan was excellent whilst helping myself and partner get a mortgage. He always seems to find a way round any complications no matter what they are. I always recommend him to anyone trying to buy a home or remortgage
We cannot thank you enough for everything you have done with this process. You have been excellent and we will be sure to recommend you to all of our friends.
Yes. We work with specialist lenders who consider adverse credit applications. Your eligibility depends on the type and severity of credit issues, how recently they occurred, and your current financial circumstances.
Typically 10 to 25% depending on the nature and recency of your credit issues. More serious or recent adverse credit usually requires larger deposits.
Initially, yes. However, rates have become increasingly competitive, and you can often remortgage to better deals once you’ve rebuilt your credit.
Some lenders will consider applications immediately after a CCJ, though you’ll get better rates if it’s satisfied and at least 12 months old.
We’ll assess your situation and advise whether to apply now or take steps to strengthen your position first. We never recommend waiting unnecessarily.
Ready to speak to a specialist adverse credit mortgage broker in Liverpool? We offer a free, no obligation consultation.
Call us: 0330 133 3071
Email: enquiries@revolutionfs.co.uk
Or fill out our contact form and we’ll be in touch within 24 hours.
Revolution Financial Services is an independent, FCA-regulated mortgage and financial advice firm based in Wirral and Liverpool. We provide expert mortgage advice across Liverpool, Wirral, Merseyside, and the wider North West.
With over 50 years of combined experience, our advisors understand the unique challenges those with adverse credit face and know exactly which lenders will support your application.