Habito said that it had been suggesting ways homebuyers could improve their credit score, but it found it was unable to help those with serious credit issues such as defaults, missed mortgage payments or county court judgements (CCJ) in the last six years.
The deal will see Impact offer its advice to these customers while waiving its standard £574 fee.
Daniel Hegarty, founder and CEO at Habito said: “We exist to set people free from the hell of mortgages and we’re constantly working on enabling more and more homeowners have an easier mortgage experience.
“While we’re currently unable to help those with serious credit issues, we want to be able to provide the best alternative we can.”
Dale Jannels (pictured), managing director at Impact Specialist Finance, added: “Impact have worked diligently in this sector for many years and we are always keen to help clients achieve their dream and put the troubles of the past behind them.
“We see many clients who, due to their credit history, felt that they either couldn’t get a mortgage or remortgage from their current lender. This is a fresh approach and we are looking forward to working with Habito to help them assist more people with the appropriate solutions.”