Benfleet, Essex - advising across the county
Straight‑talking mortgage advice, whatever your credit history looks like.
A Little Mortgage Advice is Angela Little - an independent, whole-of-market adviser helping first-time buyers, movers and remortgagers across Essex. Including the ones with defaults, CCJs, and everything they'd rather not mention. No jargon. No judgement. No false hope.
Whole-of-market access
One adviser, start to finish
Five-star client reviews
Free quote, no obligation
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
5.0
Angela's clients put it better than we could. Four of them, word for word.
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“No question was ever treated as a silly one…”
James JowettApril 2026 · Google -
“…she gave me a clear plan to improve my credit score…”
Aura Hair & BeautyFebruary 2026 · Google -
“Mortgage application was submitted the same day we enquired…”
Emma BartlettJune 2026 · Google -
“Very professional, understanding, knowledgeable and straight talking.”
G MacMay 2026 · Google
What do you need?
Every lender applies different criteria. Angela's job is knowing which ones will say yes to yours - from the high street to specialist lenders most people have never heard of.
Not sure? Just ask-
Bad credit mortgages
Defaults, CCJs, missed payments - realistic routes, not rejection letters.
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First-time buyer mortgages
From "where do I even start?" to keys in hand, step by step.
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Remortgaging
A better rate, a new term, or releasing equity - timed right.
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Remortgage with bad credit
Credit slipped since you bought? There are still options.
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Self-employed & director mortgages
Lenders who understand how you actually pay yourself.
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Moving home
Porting, upsizing, or starting fresh - without losing the plot.
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Debt consolidation
One payment instead of five - with honest advice on whether it's right for you.
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Shared ownership
Part-buy, part-rent - and the small print that comes with it.
Most of Angela's clients arrive after a "no" - from a bank, a comparison site, or a broker who stopped returning calls. Her whole career has been specialist lending: knowing which lenders will look past the credit file to the person behind it. And if the honest answer is "not yet", she'll tell you exactly what to do so it becomes a yes.
- Defaults
- CCJs
- Missed payments
- Debt management plans
- Low credit score
- Complex income
What would it actually cost?
Move the sliders for a rough monthly figure. It's a starting point for the conversation - not a quote, and not the number a lender will land on.
Roughly, per month
£1,520
Capital and interest, so the balance clears by the end of the term.
Capital Interest
- You'd borrow £247,500
- Loan to value 90%
- Total interest £208,460
- Paid over the term £455,960
Illustration only. This is a standard repayment or interest-only calculation, not a quote, an offer, or mortgage advice. On interest only, none of the capital is repaid - the full amount borrowed is still owed at the end of the term and you need a credible plan to repay it. It ignores fees, product changes and lender criteria - and what a lender will actually offer depends on your income, credit history and circumstances. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Little by name.
Big on advice.
A Little Mortgage Advice was started by Angela Little to make mortgage advice simple - hence the name. Before going out on her own, Angela spent her career at the UK's two largest specialist mortgage brokerages, ranked among the top brokers at both.
At big firms, when her clients came back to remortgage, they'd be passed to a retention team and never speak to her again. Angela hated that. She wanted to be there for the whole mortgage life - especially for clients rebuilding their credit, so that when they finally qualified for a high-street rate, she could be the one to tell them.
That's the business she built: one adviser who knows your name, your file, and your plan - from the first phone call to the day you own the place outright.
"Making the dream happen is the best part of this job." - Angela Little, Founder & Senior Mortgage Adviser
Whole of market - a few of the lenders Angela works with
High-street names sit alongside specialist lenders like Precise, Bluestone and United Trust Bank - the ones that will look at a credit file properly instead of running it through a computer. Being whole-of-market means Angela can go wherever the answer is.
How it works
Three steps, one adviser, no pressure at any point.
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Start your journey
Complete the short online questionnaire - or just call. Angela will come back to you to talk through your circumstances properly, not from a script.
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Ready to apply
Once the right product is found and you're happy, the paperwork is handled for you - and you'll never be left wondering what's happening.
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Completion
Keys, rate, done. Time to relax - and when it's time to remortgage, you'll be talking to the same person who got you here.
And remember - there's no pressure to proceed. You'll only ever be recommended a mortgage that's genuinely right for your circumstances, when you're ready.
Don't take her word for it.
If it is humanly possible to get you a mortgage, she will.
Adverse credit purchase - client review
From first call to mortgage offer in 10 days - that says it all! And I locked in a great rate.
She never sugar-coated anything. No pipe dreams and false hope from her - only realistic outcomes. When Angela said she would make it work for us, she meant it.
I had adverse credit and my partner was self-employed, but Angela secured us a mortgage in six weeks. Five stars all the way.
Fair questions, straight answers
Can I get a mortgage with bad credit, CCJs or defaults?
Very often, yes - it depends on how old the issues are, your deposit, and your wider circumstances. Specialist lenders exist for exactly this. And if the honest answer is "not yet", Angela will tell you precisely what to change and when to come back, rather than waste your time.
Will an enquiry affect my credit score?
Talking to Angela doesn't touch your credit file. Nothing is ever run against your file without telling you first - you'll always know what's happening and why, before it happens.
How quickly can things move?
In many cases you can have a decision in principle the same day. Full applications depend on the lender and your circumstances - but you'll never be the one chasing for updates.
What does the initial advice cost?
Your initial quote and conversation are free and no-obligation. Finding out whether Angela can help won't cost you a penny - and any fees beyond that are explained clearly before you commit to anything.
Ready for a straight answer?
Tell Angela where you're at - good credit, bad credit, or somewhere in between. You'll get honesty either way.
or call 01268 387898
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.