Bad Credit.

Get finance for your buy to let. Talk to the experts.  

20 Years 




80,000+ Satisfied Customers

Credit Repair Specialists.

Why use us?



We will be in touch to seek further information about your case and discuss options available to you. 



Mortgage Offer


Experienced administrators work with you to provide the lender with all the details required to obtain a mortgage offer.

The Process For Your Mortgage.

Complete our 2 minute mortgage availability check.

3 Simple Steps.


How it works and what you need to know:

​Sometimes people make mistakes or simply forget things. Some have genuine problems which are now resolved, others small blips which now haunt them credit wise. None of these affect their ability to pay now. We will look at your credit file and tell you how we can help.


Lenders we use understand adverse mortgages, and have specialist products or provide underwriters who can look at individual credit reports and make an informed decision. Don't spend hours on the computer locating a lender and product, for the computer to say NO. Let us do the leg work.

Why is it hard to get a mortgage with credit issues?

One of the major causes of the 2007-8 financial crisis was seen to be the extensive lending to customers with poor credit. The fallout of this has made lenders adopt stricter credit guidelines and therefore, restricting many people from accessing the mortgage market.   

Typical credit issues.

Over the 10 years we have been operating, we have managed to identify key areas where people's mortgage applications get rejected by lenders. Overall, we have grown our expertise and found effective solutions to help our customers.


Here are some of the typical issues our customers face:

  • CCJs.

  • Defaults.

  • No credit history.

  • Low credit score.

  • IVAs.

  • Debt management.

  • Missed mortgage payment.

  • Payday loans.

  • Reposessions. 

 Not only will our skilled staff analyse your credit data but they will share with you the ways to improve this in the future and at what point obtaining a mortgage will be possible. 

Improving your chances.

Getting your Experian credit report is a vital first step in the process. However, the actual score itself is not important in the adverse market. Specialist lenders have their own criteria based upon when the adverse occurred, how frequently, and the severity. 


At Manor Mortgages Direct, we have the skills to analyse this information from your credit report and qualify credit history to a specific lender and product.

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Manor Mortgages Direct / T 01275399299 / / © Manor Mortgages Services Direct ltd

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Manor Mortgages Direct is a trading name of Manor Mortgage Services Direct Limited.

Manor Mortgage Services Direct Ltd is authorised and regulated by the Financial Conduct Authority (Ref.496907). We normally charge a fee of £49 for research and a further fee of up to £995 depending on the amount of work involved.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.