Had credit issues in the past?
You still have options with adverse mortgages Liverpool designed to help buyers with past financial challenges.
Our specialist mortgage lenders Liverpool focus on your current affordability, income, and the positive steps you’ve taken to rebuild your credit. Whether you need bad credit mortgages Liverpool or tailored poor credit mortgage advice Liverpool, we’ll guide you toward lenders who look beyond your history to help you secure your home.
At LTC Mortgages, we specialise in helping local buyers secure adverse mortgages Liverpool that fit their personal circumstances. Our experienced team provides clear, compassionate guidance for those rebuilding their finances — connecting you with specialist mortgage lenders Liverpool who assess your current situation, not just your past. Whether you’re seeking bad credit mortgages Liverpool or tailored poor credit mortgage advice Liverpool, we’ll help you take confident steps toward homeownership.
Click here to book your free consultation with Liverpool mortgage advisor, Liam Coker, and take the first steps to repair your credit today.
Admired suburb with remortgage opportunities for long-term savings
Popular family homes with character ideal for equity release
Highly sought-after family suburb with strong market growth
Combines traditional farmhouses & new builds with rural tranquillity
Charming coastal location renowned for its semi-detached family homes
Affluent area with coastal charm attracting high-profile residents
Desirable suburb renowned for traditional semi-detached homes
Historically significant suburb with family-friendly spacious homes
Popular family area with great schools and transport links
Modern apartments perfect for young professionals & BTL opportunities
We’ve supported many local buyers through adverse mortgages Liverpool, helping them overcome challenges such as late payments, CCJs, defaults, debt management plans, bankruptcies, and low credit scores. Our team works closely with specialist mortgage lenders Liverpool who offer flexible terms and understanding for applicants with complex credit histories. Whether you need bad credit mortgages Liverpool or tailored poor credit mortgage advice Liverpool, we’ll find the right solution to get your mortgage approved.
Click here to check out our Guides section, which is frequently updated with handy tips, easy-to-digest information and step-by-step guides.
Securing adverse mortgages Liverpool can feel daunting, but with the right guidance, it’s completely achievable. At LTC Mortgages, our experienced advisers understand how to present your case positively to specialist mortgage lenders Liverpool. We know which banks and building societies are open to approving applications for bad credit mortgages Liverpool, even when others have said no.
Our team provides honest, practical support and poor credit mortgage advice Liverpool tailored to your goals — whether you’re buying your first home, remortgaging, or recovering from past financial setbacks. We work hard to match you with lenders who value your affordability, stability, and determination to move forward.
We understand Liverpool’s housing market inside out and work closely with specialist mortgage lenders Liverpool who accept applicants with adverse credit. Our local insight means you’ll get expert guidance from advisers who know how to secure the best adverse mortgages Liverpool based on your situation.
Our experienced Liverpool-based team knows how to present your application effectively to bad credit mortgage lenders Liverpool, improving your chances of approval. We’ll match you with lenders most likely to say yes — even if you’ve faced defaults, CCJs, or missed payments in the past.
We compare options across all lenders, from specialist to mainstream mortgage providers, ensuring you secure the best rates and terms available. Whether you need poor credit mortgage advice Liverpool or a full adverse mortgages Liverpool review, we’ll find the right path for you.
We’ve got answers for frequently asked questions
Yes. Many specialist lenders consider factors beyond your credit score, such as income and affordability. We’ll help match you with the right one.
Some lenders accept missed payments, defaults, CCJs, IVAs, or even discharged bankruptcies, depending on how recent and severe the issues were.
Possibly. Lenders may require 15–30% depending on your credit history. We’ll help you understand your options and what deposit might be needed.
A soft check for an Agreement in Principle usually won’t affect your score. A full application may involve a hard check, which we’ll manage carefully.
Reduce debts, avoid new credit, and check your credit file for errors. We’ll guide you on improving your profile before applying.
1A Honey's Green Lane, West Derby
Liverpool L12 9EN
0151 662 0188
Join our newsletter for news, property tips & deals on finance, insurance & more
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DON’T KEEP UP WITH YOUR REPAYMENTS ON YOUR MORTGAGE
LTC Mortgages is a trading name of LTC Mortgages (NW) Limited company number 12564758 is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 929476.
We are a credit broker, not a lender. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.
© Copyright 2025 LTC Mortgages Ltd. All Rights Reserved
