Struggling to Get a Mortgage Due to Bad Credit?

Having a less-than-perfect credit score doesn’t mean you’re out of options. There are specialist lenders who understand that life happens — and we know how to approach them.

We help you understand your credit file, find a suitable lender, and give you the best chance of getting approved.

Tailored Mortgage Support for Those with Bad Credit

What is a Bad Credit mortgage?

Bad credit mortgages (sometimes called adverse credit mortgages) are designed for people who’ve had financial issues in the past — such as missed payments, defaults, CCJs, or even bankruptcy.

While you might not qualify with a high street lender, there are many others willing to look beyond your credit history and assess your situation today.

Improve Your Approval Odds

We know exactly what lenders want to see — and we’ll help you gather and present everything in the strongest light possible.

Access to Specialist Lenders

We work with lenders who deal exclusively in bad credit cases and understand the difference between a one-off issue and ongoing difficulty.

Honest Advice

We’ll be upfront about your options. If now’s not the right time, we’ll help you plan the steps to get mortgage-ready in the near future.

Save Time & Avoid Rejections

Every rejection can damage your credit further. We match you with the right lender from the start, avoiding unnecessary applications.

Benefits of Using a Mortgage Broker for Bad Credit

Be Prepared

Things to Consider With Bad Credit

Type of Credit Issue

Some lenders are more lenient with late payments or defaults than with recent CCJs or IVAs. We’ll review your report and advise accordingly.

How Recent the Problem Was

The older the issue, the better. If it’s been over 12–24 months since your last credit issue, your chances of approval are higher.

Deposit Size

A larger deposit reduces the lender’s risk — ideally 15–30%, but some lenders accept as little as 10% with the right circumstances.

Current Financial Stability

Regular income, up-to-date bills, and no recent missed payments will work in your favour — and we’ll help you show that.

Credit Report Accuracy

Mistakes happen. We’ll review your credit file with you and help fix any errors that could be unfairly affecting your score.

FAQs

Can I get a mortgage with a CCJ or default?

Yes — many specialist lenders will still consider you, especially if the issue is over a year old or has been satisfied.

Do bad credit mortgages have higher rates?

Typically, yes — but not always by much. Over time, you may be able to remortgage to a better deal once your credit improves.

Will applying hurt my credit more?

We use soft searches where possible and never apply without your approval — protecting your credit score as much as possible.

What if I’ve been bankrupt or in an IVA?

It’s still possible, depending on how long ago it was and whether it’s been discharged. We’ll walk you through your options.

How soon can I apply after bad credit?

Some lenders will consider you after just 6–12 months of clean credit history. Every case is different — let’s check what’s possible for you.

First Time Buyer

As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.

Remortgage

Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.

Self Employed

We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.

Buy To Let

From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.