The Bank Says No. We Say Let’s Talk.
Specialist mortgage solutions for buyers with CCJs, defaults, or low credit scores. We look past the 'No' to find the lender that says 'Yes'.
A Simplified Path to Home Ownership
Forget jargon and rigid rules. Get a clear, stress-free route to a mortgage approval, regardless of your credit history.
You Are More Than Your Credit Score
We look past your credit file to find the lenders who believe in your future, not just your past.
Speak to a Real Person (Every Time)
No bots, no automated rejections, and no call centres. Speak to a dedicated expert who can explore your options and fight your corner from day one.
Access Lenders Who Can Actually Help
Get direct access to lenders who specialise in helping people with complex circumstances get accepted.
Our Simple Three Step Process
We Chat About
Your Goal
Reach out or book a time for us to call you. We’ll have a conversation about your dream home and any "hurdles" you’ve encountered so far.
We Do the Deep Research
Luke and the team dive into our specialist lender panel. We assess your requirements and match you with the lenders most likely to approve your application.
We Get Your Mortgage Agreed
Once we’ve found the perfect fit, we handle the heavy lifting of the application. We work with the lender to get your mortgage agreed, so you can start packing your boxes.
Meet The Man Simplifying Mortgages
Luke Taylor founded Simplify with one mission: Making homeownership accessible to those the big banks leave behind. With a decade of specialist experience, Luke knows that a complex credit file doesn't dictate your future.
Decades of Insight
With nearly 10 years in the industry, Luke has the knowledge to navigate even the most challenging lender requirements.
A Family-Led Approach
Luke launched Simplify alongside his brother Matt, a Chartered Financial Planner, to offer a family-led alternative to rigid corporate brokerage firms.
Simple Solutions For Complex Situations
We don't believe in one-size-fits-all lending. We dive into the details to find the specific mortgage product that fits your life.
Bad Credit Mortgages
We specialise in finding lenders who look past CCJs, defaults, and low scores to see the homeowner behind the credit file.
Specialist Mortgages
Whether you’re self-employed or have a unique income structure, we match you with the right specialist underwriter.
Remortgages & Debt Consolidation
We help you release equity or switch deals to lower your monthly payments and get your family’s finances back on track.
Ready To Talk Mortgages?
If you’re ready to simplify your mortgage journey and secure your home, let’s begin with a confidential, no-obligation conversation.
Frequently Asked Questions
Yes. While high street banks use rigid automated systems to filter out anyone with a less-than-perfect history, we work with all lenders/all specialist lenders. These lenders are specifically set up to help people with CCJs, defaults, IVAs, or missed payments find a suitable mortgage.
Not necessarily with the same banks. Multiple "hard" credit searches in a short period can actually damage your score further. We recommend a "soft" initial assessment with a specialist broker like us first. We can identify which lenders are likely to say "Yes" before any formal application is made.
Specialist lenders do often charge slightly higher interest rates to account for the perceived risk. However, our goal is to get you into your home now. Once your credit score improves through consistent mortgage payments, we can help you look at remortgaging onto more competitive rates in the future.
Borrowing amounts depend on your income, outgoings, and the severity of your credit issues. Unlike standard banks that use a simple multiplier, specialist lenders often look at your overall affordability. We’ll provide an accurate borrowing estimate after our initial strategy call.
Standard brokers often stick to the high street. A specialist broker like Luke has spent nearly a decade building relationships with "adverse-friendly" lenders. We know the specific criteria for each underwriter, meaning we can place your application with the lender most likely to approve it the first time.