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We help make borrowing possible

Bad credit? Find Out If You Qualify Today, 

Takes less than 2 mins



4.93 Average rating

Reviews Section

We can help, if you've had

  • Bad credit

  • A DMP

  • Defaults / CCJs

  • Missed payments

  • IVA / Bankruptcy

  • Repossessions

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

Trusted by thousands of people to arrange their mortgage

Mortgages Approved

1.9 Billion
Total Amount of borrowing Approved

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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Who is Simply for

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.

Meet Our Team

rob wells, mortgage advisor
michael budzak, mortgage advisor
Shelagh dixon, mortgage advisor

Mortgage Advisor

Mortgage Advisor

Mortgage Advisor

rob wood, mortgage coordinator
kennedy, case handler
ana, case handler

Protection Advisor

Case Handler

Case Handler


Why Use Simply 

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Customer Success stories
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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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