I understand that financial setbacks can happen to anyone. Late payments, County Court Judgments (CCJs), or other credit challenges shouldn't stand in the way of achieving your dream of home ownership. My expertise to help you navigate through these challenges with tailored mortgage solutions for if you have not such perfect credit. I believe that every individual deserves a chance to secure a mortgage, irrespective of their past financial history. My experience and commitment to client success allow us to work closely with lenders who specialise in providing mortgages to those with less-than-perfect credit. We will take the time to assess your unique circumstances and explore suitable options, ensuring you receive the guidance and support needed to make informed decisions. Let Carl help turn your dream of owning a home or see if you can have a better mortgage deal into a reality, despite the hurdles you may have faced.

For our mortgage advice services, we will charge a fee of between £0 and £995. 

For Mortgages, Protection and Equity Release, Carl Elsby is an adviser with Julian Harris Mortgages Ltd (FCA No. 304155), which is authorised and regulated by the Financial Conduct Authority.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. 

Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

The guidance and/or information contained within the website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

The Financial Conduct Authority does not regulate some types of Buy to Let mortgages, taxation and trust advice, will writing and powers of attorney. 

Please be aware that by clicking onto external links / submitting your information to Carl Elsby Mortgage Adviser you are leaving this website. Please note that Carl Elsby and Julian Harris Mortgages Ltd are only responsible for the accuracy of the specific information contained within this website.

Office - Carl Elsby Mortgage Adviser, Genesis Business Centre, Innovation Way, Stoke-on-Trent, Staffordshire, ST6 4BF.