MORTGAGE SMARTER โ BORROW BETTER
Been Turned Down? We Can Help.
Been told no?
We help the clients others turn away.
Having missed payments, defaults, CCJs or a low credit score does not mean you cannot get a mortgage. As whole of market specialists we access lenders that high street banks do not - and we will tell you honestly what is possible for your situation.
WE HELP PEOPLE WHO HAVE
โ Missed or late payments on their credit file
โ Defaults or CCJs registered against them
โ Been turned down by their bank or another broker
โ A low credit score and do not know where to turn
โ โ โ โ โ Five Star Rated Broker ยท FCA Regulated ยท Whole of Market
Book Your Free 15-Minute Review
No obligation. No judgment. Just honest advice on what is possible for your situation.
๐ฆ Whole of market access
Including specialist adverse credit lenders
โญ Five Star Rated Broker
Trusted by families across East Grinstead and beyond
๐ค Personal support throughout
Alex guides you every step of the way
๐ Your initial review is completely free. Our fee is only due on mortgage offer - never upfront.
โ โ โ โ โ
"I had spoken to two other brokers who told me it was not possible. Alex explained the process and got me the mortgage I needed within two weeks."
- Sarah W.ยท Google Review
YOU ARE NOT ALONE
A difficult credit history does not have to mean no mortgage.
๐
Missed payments or defaults
Life happens. A missed payment or default does not automatically rule out a mortgage. Many specialist lenders consider your full picture - not just your credit score.
โ๏ธ
CCJs or debt management
A County Court Judgement or past debt management plan can make getting a mortgage feel impossible. We know which lenders consider these cases and how to present your application in the best light.
๐ช
Turned down elsewhere
Being rejected by your bank or another broker is not the end of the road. We access lenders that high street banks do not offer - and we have helped many clients who were told no elsewhere.
HOW IT WORKS
Honest advice with no judgment.
01
Free 15-minute call
Alex listens to your situation without judgment. No silly questions and no pressure - just an honest conversation about what is possible.
02
We assess your options
Alex reviews your credit situation and searches specialist lenders - finding the most suitable deal for your circumstances.
03
Clear honest recommendation
You get a plain English explanation of your options. Alex will always tell you the truth - even if the answer is to wait and rebuild your credit first.
04
Supported every step
Alex handles everything and stays available throughout - including evenings and weekends when you need reassurance most.
WHAT CLIENTS SAY
Every review five stars.
โ โ โ โ โ
"I had spoken to two other brokers who told me it was not possible. Alex explained the process and got me the mortgage I needed within two weeks."
Sarah W.
โ โ โ โ โ
"Over three years and three attempts, Alex gave us his time and honest advice every single time - even when it meant no immediate business for him. We finally got our offer."
Deborah I.
โ โ โ โ โ
"Alex has changed my life in a very material way. He held my hand through the whole process and everything worked out so much better than I thought it would."
Victoria E.
MEET THE TEAM
We do not judge. We just find solutions.
ASH Mortgages was built on the belief that everyone deserves honest mortgage advice - regardless of their credit history. Alex has spent over 10 years helping families navigate the mortgage process, including many who came to him after being turned away elsewhere.
He is now joined by Linsay, who is currently qualifying in mortgage advice - bringing even more care and capacity to every client relationship.
Available evenings and weekends because life does not always happen between nine and five. And always honest - even when it is not the answer you were hoping for.
COMMON QUESTIONS
Everything you need to know.
Can I get a mortgage with bad credit?
In many cases yes - but it depends on your specific situation. The type of adverse credit, how recent it is and the amount involved all affect your options. The best first step is always an honest conversation so we can assess what is realistically possible for you.
I have been turned down by my bank - can you still help?
Often yes. High street banks have strict automated criteria that reject many applications that specialist lenders would consider. As a whole of market broker we access lenders that your bank simply does not offer - and we know how to present your application in the best possible light.
How much does it cost?
Our fee for adverse credit cases is ยฃ699 - only due on mortgage offer, never upfront. Your initial review is completely free with no obligation to proceed.
Will applying affect my credit score?
A full mortgage application does leave a mark on your credit file. However we carry out a soft search assessment first, which does not affect your score - to understand your options before making any formal application.
How long does the process take?
Adverse credit applications can take slightly longer than standard cases - typically 4 to 6 weeks from application to mortgage offer. Alex will keep you updated throughout so there are never any surprises.
DO NOT GIVE UP - LET US FIND OUT WHAT IS POSSIBLE
Your free review takes 15 minutes. It could change everything.
No obligation. No judgment. Just an honest conversation with Alex about your situation and what your options are.
FCA Regulated ยท Whole of Market ยท [email protected]
ASH Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: ASH Mortgages Ltd, 22 Coronation Road, East Grinstead, West Sussex, RH19 4AL as recorded on Companies House. Registered Company Number: 12252465 registered in England & Wales. FCA No: 960039.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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