Your credit history doesn't define your future and at Abodo, we believe everyone deserves a chance to own their dream home. A less-than-perfect credit score isn't a roadblock - it's simply a challenge we'll navigate together.
Many people find themselves with credit challenges for reasons entirely beyond their control. Job loss, unexpected medical expenses, past financial difficulties, or simply a lack of credit history can impact your credit score. We understand that these moments don't reflect your true financial potential or your commitment to responsible homeownership.
Our specialist team takes a different approach to your mortgage journey. We don't just look at numbers; we look at your entire financial story. Every client is more than a credit score - you're an individual with unique circumstances, aspirations and potential.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Speak to us about getting a first time buyer mortgage
Speak to our mortgage team to discuss your first time buyer mortgage options. We will help you choose the most appropriate deal.
See why people trust Abodo for First Time Buyer with Bad Credit
Personalised Approach
Unique mortgage strategy for each client
Market Expertise
Comprehensive market research with Whole of Market lenders on offer
Transparency
Clear, jargon-free communication. Ask us anything at any point but we are confident we will have already covered it.
Your Life Journey
Ongoing support beyond mortgage completion
Personalised Approach
Unique mortgage strategy for each client
Market Expertise
Comprehensive market research with Whole of Market lenders on offer
Transparency
Clear, jargon-free communication. Ask us anything at any point but we are confident we will have already covered it.
Your Life Journey
Ongoing support beyond mortgage completion
We'll work closely with you to:
Understand the root of your credit challenges
Develop a strategic plan to improve your credit profile
Identify specialist lenders who work with unique circumstances
Explore mortgage options you might not know exist
Provide practical advice for credit rehabilitation
Our approach isn't about quick fixes, but sustainable financial health. We'll help you understand:
How different credit issues impact mortgage applications
Strategies for improving your credit score
Alternative routes to homeownership
Specialist lending options
Some clients worry that bad credit means no mortgage. That's simply not true. We've helped numerous clients with complex credit histories secure their first home. From county court judgments to previous bankruptcies, we've guided clients through seemingly impossible situations.
We don't just provide a mortgage - we provide a comprehensive financial partnership. Our support extends beyond the initial application. We'll continue to support you, offering annual reviews and guidance to help you strengthen your financial position.
Transparency is our promise. We'll be completely upfront about:
Potential additional costs
Interest rates
Lending criteria
Realistic expectations
You can trust that our advice meets the highest professional standards. We're committed to finding solutions, not creating barriers.
Your credit history is just one chapter of your financial story. At Abodo, we're excited to help you write the next chapter - the one where you become a homeowner.
Ready to explore your options? Let's have an honest, judgment-free conversation about your path to homeownership.
