Bad Credit Mortgage
Mortgage and Insurance Advice You Can Trust Across The Whole of the UK
Struggling with a bad credit rating? We can help you find a lender that works for you, whatever your circumstances.
Bad credit ratings don’t mean you can’t get a mortgage. With many having been hit by financial difficulty in recent times, lenders have become more open to providing mortgages to those with lower credit ratings. When chosen correctly, these mortgages can still help you buy a home if you have a sufficient deposit.
We will work with you to find a deal that works for you, negotiating contracts with lenders and estate agents, and helping you get your dream property.
We also work with lesser-known mortgage providers, as many of the best rates can be found from mortgage lenders that specialise in helping those with bad credit.
‘Your home may be repossessed if you do not keep up repayments on your mortgage’
How Can We Help:
We’re experts in finding great mortgage rates for those with bad credit ratings.
We have access to the whole of the market.
We aim to work with you to find a mortgage, regardless of your current credit rating.
No-obligation reviews of your current credit situation.
Your Mortgage Made Simple
How Can I Get a Mortgage With a Bad Credit Rating?
We’ll work with you to see what’s available to you. As specialist mortgage brokers, we’ve worked with hundreds of clients who have had bad credit ratings, helping them get access to the homes they want. We can help even if you have any of the following:
Mortgage, loan or rent arrears.
County court judgements against your name.
Defaults or missed payments.
Discharged individual voluntary arrangements.
Previous claims of bankruptcy.
If your previous home was repossessed.
Little or no credit history.
If you don’t know what your credit rating is, it’s easy and free to find out. Doing so will help you get a comprehensive understanding of your situation. From there, we’ll look at the options available to you and find the best rates we can, based on your report.
How Do I Repair My Credit Rating (Bad Credit Mortgage)?
Most ratings can be fixed within one to two years with the right advice, which may even give you access to much better mortgage rates in the future, saving you a significant amount of money in the long run. We’ll look at the long-term and short-term benefits of the rates on offer, breaking it down into easy steps, helping you choose what’s best for you.
If you still want to get a home with your current credit rating, we’ll show you how to repair your rating while you’re paying it off. Once it’s in better shape, we’ll help remortgage your home to get a better rate in the future
Can I get a mortgage with a bad credit rating?
Yes — a bad credit rating doesn't mean you can't get a mortgage. Lenders have become more open to applicants with lower credit scores in recent years, and with a sufficient deposit, a bad credit mortgage can still get you the home you want. We've helped hundreds of clients with poor credit histories secure mortgages, often through specialist lenders that offer surprisingly competitive rates.
What credit issues can you help with?
We can help even if you have mortgage, loan, or rent arrears; County Court Judgements (CCJs); defaults or missed payments; a discharged IVA; previous bankruptcy; a past repossession; or little to no credit history at all. Whatever your situation, we'll review your circumstances with no obligation and find the lenders willing to work with you.
Which lenders offer bad credit mortgages?
Many of the best bad credit deals come from lesser-known, specialist mortgage providers rather than the high street banks — lenders who look at your full circumstances rather than just a credit score. With whole of market access, we know exactly which lenders to approach for your specific credit history, saving you from failed applications that could damage your score further.
How much deposit do I need for a bad credit mortgage?
It varies depending on the severity and age of your credit issues. Lenders typically ask for a larger deposit from applicants with adverse credit — often 10–25% rather than 5% — as it reduces their risk. The more recent or serious the issue, the higher the deposit is likely to be. We'll tell you exactly what's realistic for your situation before you apply.
Should I check my credit report before applying?
Yes — it's free and easy to check your credit rating, and we recommend doing it first. Knowing exactly what's on your report gives you a comprehensive understanding of your situation, and it lets us match you with the right lenders and best available rates based on what's actually recorded, avoiding any surprises during the application.
Can I improve my credit rating and get a better mortgage rate later?
Absolutely. Most credit ratings can be repaired within one to two years with the right advice. If you buy now with your current rating, we'll show you how to rebuild your credit while paying off your mortgage — and once it's in better shape, we can remortgage you onto a much better rate, potentially saving you a significant amount over the long run.