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Award-winning Mortgage People

We are experts at making poor credit mortgages happen



4.93 Average rating

We can help, if you've had

  • Poor credit

  • A DMP

  • Defaults / CCJs

  • Missed payments

  • IVA / Bankruptcy

  • Repossessions

Having a poor credit score doesn’t mean that you can’t get a mortgage

Other Options...

Not everyone fits the black and white world of high street mortgages. That's why we have other options, that are not available on the high street.

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Why us?

Bad credit? Complex situation? Been told "No"? We love a challenge and look to open doors rather than close them. We work with lenders that see you as more than just a credit score, and believe a "bad score" shouldn't stop you from being considered for a mortgage. They think differently and look to give credit, where credit is due.

Award Winning Specialist Mortgage Advisors

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FINALIST for the "Best Complex Credit Mortgage Broker" award 2020

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WINNER of the "Best Complex Credit Mortgage Brokers" 2018 & 2019


SHORTLISTED by MoneyAge for "Mortgage Broker of the Year" 2016 & 2017


NAMED as VouchedFor's "Top Rated Professional" in The Telegraph, 2016

Meet Our Team

luke, founder and mortgage advisor

Mortgage Advisor

rob wells, mortgage advisor

Mortgage Advisor

michael budzak, mortgage advisor

Mortgage Advisor

Shelagh dixon, mortgage advisor

Mortgage Advisor

rob wood, mortgage coordinator

Protection Advisor

kennedy, case handler
ana, case handler

Case Handler

Case Handler

Changing Mortgages For Good


Safe & Secure

We are regulated by the Financial Conduct Authority



We've helped thousands of people find the best mortgage for their situation, and are rated "Excellent" on independent review sites.


No Upfront Fees

After our chat, you're free to walk away. Feel relaxed knowing there is zero obligation to proceed with Mortgage Thoughts.

M. MacRae


This company were absolutely brilliant. I wouldn't go anywhere else after using them. Put you at ease, tell you everything you need to know, give you plenty options, regular updates. Just brilliant service all round and well worth the money!

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Mortgage Thoughts Limited Registered Office: 14 Park Square East, Leeds, LS1 2LF. Registered Company Number: 09528880 Registered in England & Wales.
Authorised and regulated by the Financial Conduct Authority. Financial Services Register No 943629. See more at The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

Our mortgage eligibility tool is operated by Lending Score (a third party) on behalf of Mortgage Thoughts. It is designed to give you an indication of how likely you are to be accepted, should you make a full application for a particular mortgage deal. Your eligibility is determined by a high-level check of your credit record and the additional information you have provided. This does not constitute an offer of credit, and you may be referred or declined once a full assessment of your application has been completed. By providing you with an indicative comparison of mortgage products and the likelihood of you being able to obtain those mortgage products, we don’t look at whether the mortgage is suitable for you and your financial needs. The mortgage eligibility service is not, and should not be construed as, a recommendation, financial or other professional advice. Professional advice should always be sought before taking action. This can be obtained by contacting one of our qualified advisors.

It is important to note that our online mortgage eligibility service only covers a small number of lenders and there are other products available. By contacting one of our advisors we will be able to check your eligibility with a more comprehensive panel of lenders.

Your home may be repossessed if you do not keep up with repayments on your mortgage. Think carefully before securing other debts against your home.  You may have to pay an early repayment charge to your existing lender if you remortgage.

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