{"id":361700,"date":"2021-02-17T16:18:21","date_gmt":"2021-02-17T16:18:21","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=361700"},"modified":"2026-04-29T13:27:43","modified_gmt":"2026-04-29T12:27:43","slug":"simply-adverse-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/simply-adverse-review","title":{"rendered":"Simply Lending review (formerly Simply Adverse)"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><p>Simply Lending is an online-only mortgage broker service, which helps UK residents with poor credit find the best mortgage for their needs.<\/p><p>It can be difficult to find bad credit mortgage lenders on the high street, and even after you do to discover the best deal for your situation.<\/p><p>That\u2019s why it can help to work with the expert brokers at Simply Lending who specialise in finding mortgages for people with any form of bad credit. The company has been helping UK residents in this situation for close to a decade.<\/p><p>Its service is initially fee-free. You\u2019ll only pay if you decide to proceed and complete your mortgage.<\/p><style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/simplylending-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b3f52a38-59bc-446a-ba9a-f4b50302c729%22%2C%22product_name%22%3A%22Simply%2BLending%22%2C%22offer_id%22%3A%2216963%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%22361700%22%2C%22post_path%22%3A%22mortgages%252Fsimply-adverse-review%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/69f1f9b4e9a24.png\" alt=\"Simply Lending\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69f1f9b4e9a24.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69f1f9b4e9a24.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69f1f9b4e9a24.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Simply Lending | Bad Credit Mortgage Brokers<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>No upfront fee<\/li>\r\n\r\n<li>Whole market broker<\/li>\r\n\r\n<li>Access to exclusive rates<\/li>\r\n\r\n<li>First class support<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/simplylending-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b3f52a38-59bc-446a-ba9a-f4b50302c729%22%2C%22product_name%22%3A%22Simply%2BLending%22%2C%22offer_id%22%3A%2216963%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22post_id%22%3A%22361700%22%2C%22post_path%22%3A%22mortgages%252Fsimply-adverse-review%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Compare now<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><h3 id=\"how\">How does Simply Lending work?<\/h3><p>Simply Lending says that it can help UK residents dealing with any type of adverse credit. If you\u2019re dealing with bankruptcy, CCJs, an IVA or debt management plans, Simply Lending may be able to help you.<\/p><p>On its home page, the broker invites you to take a short quiz to see if you are eligible to work with its brokers. In this two-minute quiz, you\u2019ll be asked what type of property you\u2019re looking to buy, when you are looking to buy it, as well as some questions about your financial situation and your personal details.<\/p><p>After that, you\u2019ll be asked to arrange a free no-obligation call with a Simply Lending broker. On this call, your broker will work with you to find the best possible deal for your needs.<\/p><p>You won\u2019t pay a penny to Simply Lending, unless you choose to go ahead with its recommended mortgage and receive a mortgage offer. At that point, you\u2019ll be charged a flat-rate of \u00a31,995.<\/p><h3>Is it safe?<\/h3><p>Simply Lending is authorised and regulated by the Financial Conduct Authority (FCA) and is therefore subject to the same regulations as all financial companies across the UK.<\/p><h3>Are there alternatives?<\/h3><p>There are lots of other fee-free online mortgage brokers available to choose from, although these compare the whole market, rather than specialising in bad credit mortgages.<\/p><p>These brokers include:<\/p><ul><li><strong><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/trussle-review\">Better<\/a>.<\/strong> This broker compares thousands of mortgages from over 90 lenders to help you find the best deal for your needs. Better\u2019s brokers will manage your mortgage application for you, and you can track this through the website\u2019s online timeline.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/habito\">Habito<\/a>.<\/strong> Habito searches through 20,000 products from more than 95 lenders. Its intelligent algorithm shows you the true cost of what you can borrow within a few minutes.<\/li><li><strong>Dashly.<\/strong> This is a smartphone app, which compares tens of thousands of mortgages and locates the best deal for your needs. On top of that, it will alert you whenever you can save money by remortgaging.<\/li><\/ul><h3>Pros of using Simply Lending<\/h3><ul class=\"list-4\"><li>Simply Lending brokers specialise in working with customers who have bad credit.<\/li><li>You can get advice from Simply Lending brokers for free. You\u2019ll only pay a fee if you proceed and receive a mortgage offer.<\/li><li>The fee is a flat rate (\u00a31,995), no matter how big your mortgage is.<\/li><li>Simply Lending works with all the major lenders that offer bad credit mortgages.<\/li><li>You begin with a simple and quick online questionnaire to test your eligibility.<\/li><li>You can use the Simply Lending website 24 hours a day, and arrange a call for whenever is most suitable for you.<\/li><li>You could be eligible for a mortgage, even if you have suffered from bankruptcy, CCJs or an IVA.<\/li><li>Simply Lending is regulated by the Financial Conduct Authority.<\/li><\/ul><h3>Cons of using Simply Lending<\/h3><ul class=\"list-4\"><li>Only specialisies in bad credit mortgages, not whole-of-market.<\/li><li>\u00a31,995 flat-rate fee is quite high.<\/li><\/ul><h3 id=\"verdict\">Our verdict<\/h3><p>There are plenty of online mortgage brokers out there, but not so many that specialise in bad credit mortgages. Someone in this situation may appreciate working with a specialist, which is where Simply Lending can step in.<\/p><h3>Frequently asked questions about Simply Lending<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is Simply Lending free?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You won\u2019t pay a penny, until you proceed with a recommend deal and receive a mortgage offer. At that point, you\u2019ll be charged a fee of \u00a31,995.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Will Simply Lending work with my personal situation?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Simply Lending works with customers that have all types of adverse credit. You\u2019ll fill out a short online questionnaire to see if you\u2019re eligible for a deal.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How will Simply Lending contact me?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You\u2019ll be asked to share your phone number and email address, once you complete the Simply Lending questionnaire. The broker may contact you through either of these methods.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Representative example <\/strong><br>A mortgage of \u00a3230,537 payable over 23 years, initially on a fixed rate until 31\/01\/28 at 3.99% and then on a variable rate of 6.49% for the remaining 21 years would require 24 payments of \u00a31,277.66 followed by 252 payments of \u00a31,585.00. The total amount payable would be \u00a3430,099 made up of the loan amount plus interest (\u00a3199,547) and fees (\u00a315). The overall cost for comparison is 6.1% APRC representative.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn more about Simply Adverse, a mortgage broker, which specialises in finding the best available deal for those with a bad credit score.<\/p>\n","protected":false},"author":645,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-361700","post","type-post","status-publish","format-standard","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- 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