CCJs, DEFAULTS & DMPs
Adverse Credit & Historical Debt
Underwriting solutions for active Debt Management Plans, missed payments, defaults, discharged bankruptcies and CCJs—even if registered within the last 12–24 months.
Acorn Mortgage Desk · Complex Credit & Specialist Property
Specialist Mortgages for Complex Credit, Unusual Income & Non-Standard Property
Turned down by high-street banks? We specialise in human-underwritten mortgages for adverse credit, recent CCJs or defaults, non-standard property construction and complex global income streams.
Four complex categories we resolve
CONCRETE, TIMBER & CLADDING
Non-Standard Property Construction
Finance for Wimpey No-Fines concrete, Cornish units, timber-framed houses, thatched roofs, listed buildings and high-rise flats with EWS1 cladding issues.
RSUs, OVERSEAS & MULTIPLE JOBS
Complex & Irregular Income Streams
Human underwriting for multi-currency salaries, foreign national status, vested RSUs, commission-heavy roles, crypto wealth conversion and secondary income.
1-YEAR ACCOUNTS & NEW SPVs
Short-Term Trading & Ex-Bankrupts
Mortgages for self-employed applicants with one year of trading, recent business restructures or directors who previously closed a company.
Step 1 · Select your primary challenge
Step 2 · Case specifics
70%
50%90%
Step 3 · Indicative approval predictor
64%appetite
Acorn Lender Appetite Score
Indicative, not an approval or credit decision.
Estimated LTV cap
70%
Requested LTV
70%
Key underwriting condition
Manual credit review, current commitments and up to three years of bank statements may be required.
Specialist Match Found
We have 14 specialist lenders on panel who manually underwrite cases with Credit History at up to 70% LTV.
Request a Manual Underwrite Review & Complex AIP
Bypass high-street credit scoring. Submit your case parameters directly to Adrian for a confidential, human-underwritten assessment and specialist Agreement in Principle.
Send these figures straight to a specialist broker — no need to re-enter your numbers.
Apply with These FiguresImportant Regulatory & Specialist Credit Notice
Acorn.mortgage (Trading style of Paul Thompson) is authorised and regulated by the Financial Conduct Authority (FCA #660207). YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Specialist mortgages for complex credit or non-standard construction may carry higher interest rates or lower maximum LTV caps reflecting underwriter risk assessments. All loan offers are subject to independent property valuation and full underwriting verification.