Customers with adverse credit will find it the most challenging to secure a mortgage over the coming year, a broker poll shows. 

Almost 26% of brokers are concerned about finding a home loan for customers with impaired credit histories in the next 12 months, according to a survey by Pepper Money and Mortgage Business Expo. 

Buy-to-let loans will be the hardest to place cases say 22% of intermediaries, followed by high loan-to-value remortgages, 12% of brokers claim. 

Just over 11% of brokers said they expect to have trouble finding a mortgage for self-employed borrowers and those with complex income, while nearly 10% think they will struggle to find an offer for first-time buyers.  

Just under 9% were most concerned about accessing a home loan for older customers nearing retirement. 

Ryan Brailsford, Business Development Director at Pepper Money, says: “Brokers are right to think that they will encounter more customers with adverse credit in the next year.  

“For the Specialist Lending Study, we partnered with YouGov to conduct research among more than 6,000 adults and found that 15.1% of all adults have experienced some form of adverse credit in the last three years.  

“This means the number of potential mortgage customers with adverse credit has grown by more than 1.6 million in the UK.” 

The Pepper Money and Mortgage Business Expo poll was conducted among 500 brokers in March.