Adverse Credit Mortgages

Have you had a decline from the High Street? Has the client sent you a credit report and your not sure where to begin? Do you need access to exclusive lenders, criteria and products to be able to assist your clients? Whatever your adverse credit mortgage needs, give the Impact Packaging Sales Team a call.

We deal with adverse day in day out and know what to do! We have lenders who can help with pretty much any type of adverse credit, even when this is in combination with other specialist needs such as self-employed applicants, quirky properties or complex income.


Impact Packaging's Adverse Lenders include:

Foundation Home Loans Kensington Mortgage Company Kent Reliance
Masthaven Precise Mortgages Together Mortgages
Bluestone Mortgages Castle Trust Pepper Money
Vida Homeloans The Mortgage Lender


Everyone no matter what their circumstances or financial situation can run into troubles with credit. They might have gone through a messy divorce, a loss of employment or any number of things. Our lenders understand that life doesn't always run as smoothly as we would like and want to assist client's who have had problems in the recent past.

If your client has experienced credit problems, we strongly suggest they obtain either a copy of their Experian or Equifax report.

Simply email your clients credit file over to with the details of the client scenario and our sales team will let you know if we can help!

Missed Payments and Arrears

Secured Arrears -
Unsecured Arrears -

Defaults and CCJs

Debt Management Plans

IVAs and Bankruptcies/DROs

We can place IVAs/DROs and that have been discharged as recently as 12 months ago! In certain circumstances we may be able to clients with current IVAs (must be cleared on completion). This should normally be associated with some sort of life event, such as divorce, health problems, loss of employment etc. We can usually place these applications up to 75% LTV, subject to affordability.

Pay Day Loans

Take a brief look at some our BTL USPs:

  • On-site Underwriters (selected lenders)
  • Exclusive access to lenders, products and criteria
  • Manual Assessment Lenders
  • Up to 90% LTV available
  • 5 Year Fixed rates for better affordability
  • First Time Buyers from age 18
  • No max age for older borrowers
  • Loans from £3,000 to £3,000,000
  • Properties valued from £50,000 (lower by referral)
  • Flats above commercial considered (subject to underwriter/valuers comments and commercial premise type)
  • Available on Help to Buy
  • Available on Shared Ownership
  • Available on Right to Buy
  • Lending available in Scotland (area restrictions may apply)

Call our Sales Team now on 01403 272625 or email us at

  • 12/06/2024 - Product withdrawal notice
    On Wednesday 12th June at 5:30pm we will be withdrawing some of our S...Read More
  • 06/06/2024 - Upcoming product changes
    We want to let you know that we are making some changes to our new bu...Read More
  • 04/06/2024 - Changes to our product range
    On Wednesday 5 June, we will be making changes to our Owner Occupied ...Read More
  • 04/06/2024 - Product withdrawal notice
    On Wednesday 5th June at 5:30pm we will be withdrawing most of our Re...Read More
  • 03/06/2024 - Kensington : Product Update
    As of close of business tomorrow we will be withdrawing the following...Read More

Our Vision:

"To be the mortgage provider, distributor and packager of choice; most preferred by our partners and most regarded by our customers."

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Contact Details

Impact Specialist Finance
20 Barttelot Road
West Sussex
RH12 1DQ
Phone: 01403 27 26 25