Sacred Yew Mortgages is a trading style of Access Financial Services Ltd · FCA No. 301173 · Registered in England No. 04427489
Bad Credit Mortgage Broker UK
Told No by Your Bank?
You're Not Out of Options.
Bad credit. Self-employed. Complex case. Whatever your situation — Sacred Yew Mortgages finds mortgages for people the high street turns away. Free assessment. No credit search. Responds within 2 hours.
No credit search · No obligation · Responds within 2 hours
★★★★★
5.0 Stars — Based on 47 Google Reviews
📰 Daily Express · The Intermediary · Daily Mirror (x9)
Why You Need a Bad Credit or Poor Credit Mortgage Broker
Not just advice — access to lenders and criteria you cannot reach on your own.
Because high street banks decline automatically. Their systems flag a CCJ, default, IVA or missed payment and reject the application before a human ever looks at it — regardless of your income, your deposit or how long ago the issue happened. A bad credit mortgage broker works with the specialist lenders who assess manually, and knows which of them will actually say yes to your situation before you apply.
Talk to an adviser directly — no call centre
Free assessment. No credit search. No obligation. Responds within 2 hours.
More Ways to Get Started
Free Mortgage Assessment
No credit search, no obligation. We respond within 2 hours.
Get Your Free Yew Score
9 questions, 60 seconds, instant personalised result.
Free Mortgage Hub
9 calculators, rate watch, health score — all free.
As Quoted in The Daily Express — 9th July 2026
“Borrowers holding out for rock-bottom rates are playing a very dangerous game of chicken with global politics.”
— Sacred Yew Mortgages
Simple Process
Get Your Mortgage in 3 Simple Steps
No credit search. No obligation. No jargon. Just clear, honest advice.
Tell Us Your Situation
WhatsApp, call or fill in the free assessment form. No forms to fill in before speaking to a real person. We respond personally within 2 hours.
⏱ Takes 5 minutes
We Search 65+ Specialist Lenders
You send documents via an encrypted link — ID, payslips, bank statements and credit report — while we search the whole specialist market, including lenders you can't access directly.
⏱ Within 24 hours
You Get Your Mortgage Offer
We handle everything — paperwork, lender communication, chasing solicitors. You just wait for the offer. Most clients are amazed it was this straightforward.
⏱ 2-6 weeks typical
Already been declined? That's exactly who we help.
What We Do
Where the High Street Fails, We Step In
Whatever your circumstances — good credit, bad credit, self-employed, buying your first home or your fifth — Sacred Yew Mortgages has the expertise and lender access to find you the right deal.
"How Much Can I Actually Borrow?"
Stop guessing based on generic online multipliers. We parse your income, overtime and side-hustles to show you your true buying power.
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The Bank Said No. What Now?
Had an IVA, missed payments or a low credit score? We work with specialist lenders and human underwriters who assess your full circumstances.
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Buy-to-Let Investment
Building a portfolio or buying your first investment property? We access specialist BTL products from across the market.
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Beat the Rate Hike
Don't let your lender roll you onto their Standard Variable Rate — typically 2-3% above your fixed rate. We track your expiry date and switch you seamlessly.
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Self-Employed & Contractors
Most bank advisers don't know how to read a set of accounts. We structure applications using your net profit or latest year's figures to maximise your loan.
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Shared Ownership
Buy a share of your home and pay rent on the rest. A great way onto the property ladder with a smaller deposit.
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Free Mortgage Assessment — No Credit Search
Tell us your situation and we'll come back personally within 2 hours.