Simply Adverse
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Simply Adverse
No upfront fees. You don't pay anything until you have a formal mortgage offer & a commitment to lend from the bank. If you would like to know more about our services and how we work with you to find you the best bad credit mortgage rates in the UK, then you can take a look at our adverse credit mortgage FAQ or call our experts today for professional and trustworthy advice.

Buying a new home is exciting, but stressful. Dealing with lawyers, arranging the move, and of course finding a mortgage. If you're one of the many people thinking about getting a mortgage with poor credit it can be an even more worrying time. But buying a house with bad credit isn't impossible. The good news is that there are lenders that accept adverse credit.
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After a successful career for a Highstreet retail bank, Adam co-founded Simply in 2009. Since then Simply has continued to grow and since moving to current premises in 2013 solely focussing on the Adverse credit marketplace. Outside of spending time with his family, incredibly Adam still finds time to manage and play football for a local Veterans team.
If you're thinking of buying your first home or moving house, you'll want to start looking for a mortgage. However, if you've had problems with bad credit in the past you may be rightly concerned about your chances of finding an affordable mortgage deal. When you apply for any mortgage your application will be rigorously checked by your chosen lender.
Simply Adverse is a specialist adverse credit mortgage broker, which means that if you have a County Court Judgment (CCJ) in your name, we're the brokers to call. Our whole focus is on finding adverse credit and CCJ mortgage lenders, so when you choose Simply Adverse, you're getting the undivided attention of mortgage experts with 9 years of experience working with people with adverse credit histories.
Simply Adverse has been trading as a specialist poor credit mortgage broker in the UK for since 2009. Our brokerage services are tailored towards UK residents who have struggled with financial problems and found themselves trying to find a mortgage or remortgage a house with bad credit.

The solutions that we provide are tailored towards your unique needs, which means that if you have an adverse credit rating and are searching for a remortgage, we're the right service for you.Our Cemap qualified expert advisers, experienced pre-underwriters, and dedicated case managers make finding you the best bad credit remortgage rates much easier.
We understand how stressful trying to arrange a mortgage is with a poor credit score, so we do everything possible to keep things simple. With glowing reviews, access to exclusive rates, and experience in all areas of bad credit buy to let mortgages, we're the service you need for fast advice and exceptional results.
Reviews (9)
Marc Burnett
Marc Burnett
Dec 27, 2021
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As an aggressive investor, my world came crashing down when a mortgage application to expand the buy to let portfolio was declined. I wasn't prepared to take no for an answer.
I realised that I no longer attracted the interests of the traditional high street lenders so I was open to exploring what, if anything, was possible.
So one evening, I came home and just began COLD CALLING brokers that were WORKING LATE INTO THE NIGHT and had a few minutes to talk to me. Matthew from SIMPLY answered and in his professional style asked me to send him some documents for him to assess if he can assist. Within
Matthew Sisto
Matthew Sisto
Dec 15, 2021
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I am so pleased we found Simply adverse!! Having tried 2 other mortgage brokers beforehand I was beginning to lose hope that we would find a mortgage that suited our financial position, but we did with Simply Adverse. They were professional, non-judgemental, and extremely detailed in collecting all the documents, so that when it came to the mortgage application it was pain free. I strongly recommend the team, and big thank you to them for all their help. :)
Mark Smith
Mark Smith
Dec 07, 2021
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Positive: Professionalism, Responsiveness
A big Thank You to Jenny Reeves and the team for guiding us every step of the way to getting our remortgage offer in what was a very difficult case due to age and credit rating. Kept us informed and advised us at every step and great intermediary to the mortgage underwriters.
Gianni Lettieri
Gianni Lettieri
Dec 07, 2021
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My experience with Simply was nothing short of first class. Kind and understanding staff were able to deal with my every request at all stages of the process. I felt constantly in the loop and that all questions were not only welcome but handled in a swift and highly professional manor. I would like to highlight the outstanding care I received from Nicole Gee in particular who truly gave me a reassuring and incredibly efficient experience with simply, leaving me certain to recommend them to anyone!
Rajit Kolamunne
Rajit Kolamunne
Nov 29, 2021
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We are pleased to work with Simply to secure the mortgage. All the girls delivered a wonderful job efficiently without much waiting. Our big thanks are going to Jeeny for initiating the case and many thanks for Liz and Kerry for in house underwriting & submission. Thank you so much Georgia for updating the progress until we get the offer. Have a wonderful holiday season everyone.
Rejo Isaac
Rejo Isaac
Nov 22, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
They are Brilliant. I personally would refer them the first contact if you have a bad credit, they are reliable and respond to all your queries quickly. Jamie Percy, you are a STAR. And thank you so much Simply and the Team
Julie Smith
Julie Smith
Nov 18, 2021
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Alex, Aaron and all the team could not be more helpful, they were there throughout to support and offer guidance. Always quick to respond and I had a very happy experience and got my mortgage offer. Thanks to them and all their hard work. Would highly recommend
Adrian Fernandez
Adrian Fernandez
Oct 26, 2021
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What a brilliant service these guys provided. From day one my broker Daniel Hills was professional, helpful, and always available for any questions I had. Ava Conroy also was incredibly helpful as my case supervisor. Both went above and beyond to make me feel like I was in the hands of trusted experts and I felt incredibly supported by both of them throughout the process to getting my mortgage offer.
I presume, given how many great ratings this company has, that the rest of the team also provide high levels of client service and sound like a great bunch of people. Wish more people trying to get
M. Saeed
M. Saeed
Oct 21, 2021
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A big thank you to Alex, Nicole and Farrah who were nothing short of outstanding in there efforts of making the mortgage application for our dream home run smoothly and efficiently. They were always on hand 24/7 (literally!) to help provide an amazing service and secure the best possible deal for us.The Simply made it happen! As a first time buyer the whole process was new and initially very daunting but Simply’s professionalism and industry knowledge helped put any initial worries at ease. I can't thank you guys enough for your help throughout the process, Will definitely be using your services