At Proud Independent Mortgage Services Ltd we appreciate that not everybody will tick all the boxes required by high street lenders in terms of having a clean credit history or being readily able to prove earnings.

County Court Judgements (CCJ's), defaults, missed credit payments and bankruptcy may all have an adverse effect on mortgage applications. Many high street lenders will decline a mortgage application on these grounds alone.

Perhaps you have fallen into arrears on a previous mortgage ?

You may previously have been declared bankrupt ?

You may have been turn down by a high street lender due to a CCJ or missed credit payment ?

Through our Independent status we are able to deal with lenders who are only available through mortgage brokers, who will potentially afford you a more flexible assessment of your current or historical circumstances when arranging a new mortgage.

Why not give Proud Independent Mortgage Services Ltd a call on 01924 256720 or complete our online enquiry form


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

There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but we estimate it will be 0.5% of the loan. You have the option to pay us a fee and receive any commission whcih we are paid by the lender. If you choose this option, we estimate the fee will be 0.5% of the loan.

With reference to cases of adverse credit only, the overall cost for comparison is 7.2% APR. The actual rate will depend on your circumstances. Please ask for a personalised illustration.