If you’ve tried to get a mortgage, you may have already run into problems. Maybe a bank has told you that you don’t earn enough, despite making a strong income. Or perhaps they’ve said you can’t borrow as much as you expected. Some lenders may have even turned you down completely, making the process more frustrating than it should be.

Struggling to Get a Mortgage Due to Bad Credit? We’re Here to Help!

Being turned down for a mortgage isn’t just frustrating — it can feel like your dreams of owning a home are slipping away. Whether you’re trying to secure a new home for your family or looking to remortgage for better rates, rejection can leave you feeling powerless.

It’s even more frustrating when you don’t know why your application was declined. You’ve done your best to move forward, but past issues like a CCJ, a missed payment, or a default continue to haunt your credit file, making it feel like there’s no escape.

The Problem Is Bigger Than You Think

Mainstream lenders often rely on automated systems to make decisions. These systems aren’t designed to understand your unique circumstances — they just see numbers and red flags. Even a single late payment from years ago can trigger an instant rejection.

And it doesn’t stop there. Each rejection leaves a visible mark on your credit file, making your credit score drop further. You might even be tempted to apply to multiple lenders, hoping one will say “yes.” But this can make things worse, leaving you trapped in a cycle of rejections.

You’re not alone if you feel confused or overwhelmed. Most people don’t fully understand how past credit problems affect mortgage applications — or how complex lender criteria can be. The idea of navigating this process without guidance is often daunting, and it’s easy to assume that if one lender won’t help, no one will.

It’s Time to Break the Cycle

At Wallace Home Finance, we believe your past doesn’t need to define your future. That’s why we’ve partnered with specialist lenders who understand that bad credit doesn’t mean you’re a bad borrower.

Our experienced advisers know the ins and outs of the bad credit mortgage market and work directly with decision-makers. We aim to match you with lenders who are the most likely to approve your application, saving you time, stress, and additional credit checks.

We focus on helping you, not judging your financial history. So stop worrying about rejections and start exploring your options.

Take the First Step Today:



• Fill out our quick online enquiry form.
• Speak with one of our bad credit mortgage specialists.
• Discover the lenders who are ready to say “yes.”

Your new home is closer than you think - Let Wallace Home Finance help you get there

Get Started

Fill out our quick enquiry form or give us a call to set up an initial chat. We can help you borrow more, save money and move in to the home you deserve.

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