Just Mortgages has launched a dedicated adverse credit advice team.

The new adverse credit solutions team is made up of 10 dedicated advisers offering specialist support and tailored advice.

The team will operate alongside the client services division, supporting both new and existing borrowers dealing with credit blips, impaired credit and those in significant financial difficulty.

The team has undergone enhanced training centered on empathy, wellbeing and customer vulnerability, ensuring advisers approach every case with insight, care and an understanding of the individual’s characteristics and wider circumstances.

Just Mortgages client services sales director Gareth Lowndes says: “Just Mortgages has a long history of supporting clients with complex and impaired credit, leveraging our broad knowledge and strong relationships with both mainstream and specialist lenders to find the right solutions.”

“We have seen recently though that the number of these enquiries has only increased – in-line with what we are seeing in the wider market.”

“Investing in a dedicated team of our advisers means we can respond to this increasing demand and increase access to advice in this critical part of the market. All the while, we can ensure clients in these situations have the time and tailored support to achieve the best possible outcome.”

“While this approach clearly supports our commitment to Consumer Duty, the primary motivation is giving borrowers greater access, clearer options and better understanding – facilitating a path back to the mainstream market wherever possible.”

According to a study from Pepper Money, 9.26 million UK adults have experienced adverse credit in the past three years.

The study also found that 16.6 million people have experienced adverse credit at some points in their lives.