Adverse credit mortgage leads for UK brokers
Pay-per-show adverse credit appointments, with the credit profile on the card before you claim. Skip what your panel won't place, claim what it will. £110 per show. Credits refund on no-show.
You buy a booked appointment, in a live calendar, with a diary entry on both sides.
- You buy a contact detail
- You cold-call to introduce yourself
- You chase for a date and time
- You pay whether they answer or not
- A lot of them never reply back
- You buy a booked calendar slot
- They picked the time themselves
- You turn up to the live meeting
- If they no-show, your credit refunds
- You only pay when they show up
- Sees an ad on Facebook, Instagram, or Google and clicks through.
- Tells the qualifier whether it's a remortgage or purchase, residential or buy-to-let.
- Answers the credit question honestly. This sets the credit-profile flag on the card.
- Shares property value, balance, income and employment for the funding check.
- Clears our funding minimum so casual browsers don't get through.
- Enters email and phone. Both get validated before anything goes live.
- Opens a live calendar and picks a specific slot for the broker call.
- Shows up in your portal as a claimable appointment with the credit flag visible (one credit).
What is an adverse credit lead?
An adverse credit (or "bad credit") mortgage lead is a UK borrower whose credit history isn't clean. Missed payments, defaults, a CCJ, a debt management plan, sometimes heavier. They need a mortgage or remortgage and they already know the high street probably won't say yes. On MortgagesBooked, an adverse credit lead is someone who's flagged a credit issue in our qualifier, cleared the funding threshold, and booked a calendar slot with a broker.
These are the cases that lenders only write through intermediaries. The applicant generally can't walk into their own bank and sort it themselves, which is exactly why a pre-qualified adverse appointment is worth more than a generic "mortgage" lead that turns into an unplaceable credit file two minutes into the call. Here, the credit flag is on the card before you claim.
What's captured on every enquiry
Every adverse credit lead arrives with the data you need before the call:
- Credit profile flag. Clean, light adverse, or heavier issues, visible before you claim
- Property type. Residential or buy-to-let
- Remortgage or purchase, with balance or deposit
- Property value and postcode
- Applicant income and employment
- Age
- Verified email and UK mobile. Both validated before release
- Appointment time booked in a live calendar
All of this is on the card before you claim. If the credit profile is heavier than your panel can place, skip it. You only spend a credit on adverse cases you'd actually take on.
How the credit flag shows on the card
The credit profile is the number that decides whether an adverse case is yours or someone else's. So it sits on the lead card, plainly, alongside property type, income, and employment, before you spend a credit. We don't grade the file or claim to underwrite it from a quiz. The granular detail (what the adverse is, how recent, satisfied or unsatisfied) is the first thing you confirm on the call. The flag just tells you whether it's worth picking up the phone. This is how an adverse credit appointment looks in your marketplace:
Illustrative card, built from the real answer options the qualifier stores. The credit value is one of four the applicant picks: clean file, missed personal debts, missed mortgage payments, or CCJs/defaults. Name, email and phone stay hidden until you claim.
Residential and buy-to-let adverse
Adverse credit follows the borrower, not the property, so it turns up on both sides of the book:
- Residential adverse. A homeowner remortgaging, or a buyer purchasing, with a credit blip behind them. Often coming off a deal they can't simply renew because their file has changed since.
- Buy-to-let adverse. A landlord with adverse history financing or refinancing a rental. Fewer lenders, higher fees, and a much shorter list of brokers who'll take it on.
Property type is on every card, so if you only write one side, filter to it. If your panel covers both, the flag plus the property type tells you which lender list you'll be reaching for before you claim.
Why adverse appointments convert for the right broker
Plenty of brokers steer clear of anything with a credit flag. That's exactly what makes these cases worth claiming if you can actually place them.
- Less competition to claim. A lot of advisers won't touch a flagged file, so if you've got the specialist panels, you're claiming into a thinner field.
- The applicant has nowhere easy to go. They've usually already been turned down somewhere. A broker who can actually place the case is genuinely valuable to them, which shows up in conversion.
- Higher loyalty afterwards. Solve a problem the high street couldn't and you've got a client who comes back at every renewal and refers the people around them.
The flip side is honesty: if your panel can't place heavier adverse, those cards aren't for you, and you simply don't claim them. Nobody's paying for a file they can't write.
Pricing and no-show policy
Sign up and your portal starts showing appointments that day, with the credit flag on each card. Looking is free. Once you've seen a few days of flow and the mix of credit profiles matches what your lenders will write, load a five-credit pack and start claiming. Top up whenever you run through it.
The qualification layer behind every lead
What makes an adverse credit lead distinct is the credit-profile flag sitting on the card. Underneath it, the same filtering runs as on every other lead type we sell: our own compliant ad spend, a 13-question qualifier that gates the funding amount, and email and phone validation before release. The full mechanics live on the lead quality page, and credit arithmetic on pricing. Many adverse cases are remortgages, some are buy-to-let, and the same booking flow applies to all of them.