Mortgage advice, information and guides from mortgage brokers. Mortgages for first time buyers, information on poor credit mortgages, advice on mortgage arrears, guides on IVA mortgages, solutions for bad credit mortgages.

Clean Slate Mortgages can introduce you to specialist mortgage brokers who specialise in difficult to obtain mortgages. Whether you are a first time buyer looking for a mortgage, need a mortgage but have a poor credit rating, have mortgage arrears, are under an IVA (individual voluntary arrangement) or looking for a mortgage but have a bad credit history, Clean Slate Mortgages help you find the advice, information, mortgage guides and mortgage brokers most likely to have the solution.

It is said that credit problems such as mortgage arrears, bad debts, late payments, IVAs, former bankruptcy, and CCJs will mean that one in four people will have problems obtaining a mortgage or remortgage from a traditional high-street mortgage lender.

Your ability to get a mortgage or remortgage is likely to be affected if you have a poor credit history or a low credit rating caused by mortgage arrears, unpaid debts, late payments on credit cards, or a history of bankruptcy. Similarly if you have any County Court Judgements (CCJ) or defaults, many mortgage lenders will turn you down for a mortgage because they class you as a so-called sub-prime or adverse mortgage borrower.

If you are self-employed or running your own business, you may find it hard to obtain a mortgage or remortgage, even if you have a good credit history. This is especially true if you have not been trading for long and so are unable to provide three years' worth of business accounts to prove your self-employed income.

Clean Slate Mortgages is here to help people in these situations. We can put you in touch with a mortgage broker who will try to help you find a mortgage lender with a more positive attitude towards people with credit problems, or those who are self-employed and require a self-certification mortgage.

For more information, please see our guides to bad credit mortgages and self-employed mortgages.

Alternatively, you can use our enquiry system to contact a member of our panel of mortgage brokers and request further help or information from an experienced adverse credit or self-certification mortgage specialist.