Mortgages ApprovedWhere Others Say No
Specialists in bad credit, CCJs, IVAs and complex income. With access to 100+ UK lenders, we find mortgages for people who've been declined elsewhere.
Specialist advice for complex situations. Finance made easy.
29 Years
Experience
100+
Lenders
FCA
Regulated
98%
Satisfaction
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Leave your details - no obligation.
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If we can't help, we'll refund your application fee
You only pay when your mortgage completes
Get a callback within 24 hours, guaranteed
How It Works
From first conversation to mortgage completion—we make the process straightforward and stress-free
Whole of market advice. No jargon. Finance made easy.
Tell Us About You
Quick 5-minute conversation about your situation. No credit check, no obligation—just honest advice tailored to you.
We Find Your Match
Access to whole-of-market lenders including specialist options. We search over 100 lenders to find the perfect fit for your circumstances.
Application & Approval
We handle all the paperwork and liaise with lenders on your behalf. Track your progress every step of the way.
Completion & Beyond
From application to keys in hand, we're with you throughout. Plus ongoing support for remortgaging and rate reviews.
What Are You Looking For?
Select your situation for tailored advice and specialist mortgage options.
First-Time Buyer
Getting on the property ladder for the first time
- 5% deposit options
- Help to Buy guidance
- First home schemes
Remortgaging
Looking for a better deal or releasing equity
- Rate comparison
- No fee options
- Equity release
Bad Credit
CCJs, defaults, or declined elsewhere
- Specialist lenders
- No upfront fees
- High approval rates
Self-Employed
Directors, contractors, or freelancers
- 1 year accounts
- Day rate accepted
- Complex income
Buy-to-Let
Investment property purchases
- Portfolio landlords
- HMO specialists
- Limited company
Not sure which category fits your situation? We can help.
Speak to an AdviserStruggled to Get a Mortgage?
CCJs, defaults, IVAs, bankruptcy, missed payments—we specialise in finding mortgage solutions for people with adverse credit. With 29 years' experience and access to specialist lenders, we help when high street banks say no.
Why Choose a Mortgage Adviser?
See how independent mortgage advice compares to going directly to a high street bank.
When Others Say No, We Say Let's Talk
We're not just another mortgage specialist. We specialise in helping people with challenging circumstances get approved—because everyone deserves a fair chance at homeownership.
Judgement-Free Zone
Your circumstances are unique. We listen, understand, and find solutions—no judgement, just expert guidance.
Human Touch, Not Algorithms
Real advisers who take time to understand your story and present it to lenders in the best possible light.
Bad Credit Mortgages
CCJs, defaults, or missed payments? We work with specialist lenders who look beyond your credit score to your full story.
Self-Employed Experts
Complex income? Multiple revenue streams? We understand self-employed finances and know which lenders offer the best terms.
Previously Declined?
Been refused elsewhere? One lender's 'no' doesn't mean you can't get a mortgage. We specialise in second-chance approvals.
Our Key Financial Services
Whatever your individual requirements, Your Home Finance is here to help.
Buy-to-Let Mortgages
Whether you're a first-time landlord or experienced property investor, we'll find the right Buy-to-Let mortgage for your investment strategy. Access exclusive rates and expert advice from specialists with 29 years of experience.
Portfolio Landlords
Specialist support for landlords with multiple properties and complex portfolios.
Competitive Rates
Access exclusive Buy-to-Let rates from over 100 lenders across the market.
Limited Company BTL
Tax-efficient mortgage solutions for properties held in limited companies.
Rental Yield Analysis
Expert guidance on rental coverage requirements and investment potential.
First-Time Landlord or Portfolio Investor?
We support all types of Buy-to-Let investors, from those purchasing their first rental property to experienced portfolio landlords. Your Home Finance understands the unique challenges of property investment and can navigate complex scenarios including HMOs, holiday lets, and multi-unit freehold blocks.
- Standard and specialist Buy-to-Let mortgages
- Limited company and portfolio landlord solutions
- HMOs, holiday lets, and specialist property types
- Free rental yield and investment analysis
Expert BTL Advice
Get personalised guidance on rental coverage, deposit requirements, and tax implications from Your Home Finance.
Learn More About BTLReady to Get Started?
Speak with our Buy-to-Let specialists today for a free consultation and personalised rate comparison.
Contact Your Home FinanceNot all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Why Choose Us?
We are committed to providing the highest standard of service with a tailored and personal approach.
Regulated. Experienced. Transparent. Finance made easy.
Nationwide Coverage
We serve clients across the UK
Whole of Market Access
Unrestricted range of mortgages
Expert Account Managers
Dedicated financial advisers
UK Based Advisers
Available 5 days a week
Our Service Guarantees
We're committed to providing exceptional service and transparent advice. Here's what you can expect when you work with us.
FCA Regulated & Protected
Authorised and regulated by the Financial Conduct Authority (FCA 989177) for your peace of mind.
No Upfront Fees
We don't charge any upfront fees. You only pay when your mortgage completes successfully.
24-Hour Response
Get a callback within 24 hours. We're committed to responding quickly to all enquiries.
Transparent Process
No hidden fees or surprises. We explain everything clearly from start to finish.
Whole of Market Access
Access to 100+ lenders and thousands of mortgage products to find your perfect match.
No Obligation Advice
Free initial consultation with no commitment required. Get expert advice without pressure.
Your home may be repossessed if you do not keep up repayments on your mortgage. Speak to one of our advisers for a detailed quote tailored to your circumstances.
Free Mortgage Calculators & Tools
Plan your mortgage with our free calculators. Get instant results for repayments, borrowing capacity, stamp duty, and more.
Our Trusted Lender Partners
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Access to whole-of-market mortgages from 100+ UK lenders and building societies
Including major banks, building societies, and specialist lenders
UK Mortgage Market: What You Need to Know
Current trends and expert insights for buyers and homeowners. Speak to an adviser for the latest rates.
Rate Trends
Mortgage rates continue to fluctuate with economic conditions. Speaking to an adviser ensures you get the best available rate for your circumstances.
We compare 100+ lenders to find competitive deals daily.
Lending Criteria Easing
Many lenders have relaxed affordability stress tests. Self-employed borrowers with 1 year's accounts now have more options.
Good news for contractors, directors, and gig economy workers.
Fixed Deal Expiries
Millions of homeowners on low fixed rates from 2021-2022 will see deals expire. Acting early is crucial to secure the best rates.
Start your remortgage search 6 months before your deal ends.
Key Takeaways
- 1First-time buyers: Low deposit mortgages available - speak to us about 5% options.
- 2Remortgaging: Don't wait until your deal ends - lock in rates up to 6 months ahead.
- 3Bad credit: We work with specialist lenders who consider adverse credit histories.
- 4Buy-to-let: Portfolio landlords and limited company options available.
Get personalised advice based on your situation and the latest market conditions.
Areas We Cover
Expert mortgage advice across the UK. Find your local specialist adviser.
Review Your Existing Policy
Not sure if your current critical illness policy is still good enough? Upload it for a free expert review. We'll compare your cover against today's best options and show you clearly where you stand.
- ✓Free, no-obligation analysis
- ✓Professional CIExpert review
- ✓Clear recommendations
- ✓Secure upload to Microsoft 365 (Azure UK)
Why Review Your Policy?
- •Policies get outdated - modern plans offer better coverage
- •Definitions matter - old wording could mean claims are declined
- •Better value available - sometimes paying slightly more gets you significantly better protection
- •Children's cover varies - some policies cover 100+ conditions, others fewer than 25
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