Bad Credit Mortgage Lenders and Rates

Missed Payments & Defaults Accepted.
CCJ’s & Mortgage Arrears Accepted.
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Bad Credit Mortgage Lenders and Rates

What is a bad credit mortgage lender?

This is a mortgage lender who has a more flexible approach when having a client who has bad credit registered against them such as missed payments, defaults, county court judgements (CCJ), mortgage arrears, debt management plans, bankruptcy or Individual Voluntary Arrangement.

Most High Street lenders require you to have a good credit profile along with a good credit score and unfortunately many clients fail to pass this criteria, however adverse credit mortgage lenders who offer their mortgages through brokers, such as The Money Hub, are able to help these clients.


What lenders offer bad credit mortgages?

As of writing this in Oct 2020, these are the main bad credit mortgage lenders who offer specialist mortgages to clients:

  • Aldermore Bank
  • Bluestone Mortgages
  • Masthaven Bank
  • Norton Home Loans
  • Pepper Money
  • Precise Mortgages
  • Together Money
  • Vida Homeloans

Some building societies don’t have a credit score level that you have to pass and they may allow an element of bad credit on clients profiles – typically they require any bad credit to have taken place over 3 years ago and needs to be satisfied at least a year ago.

Using a Specialist Bad Credit Mortgage Broker who has a lot of experience in this area is important as a mortgage is likely to be one of the biggest financial commitments that you take out, so you need to get the right advice from the start.

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What to Expect from The Money Hub

We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted

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Bad Credit Mortgage Lender FAQ's

What lenders offer Bad Credit Mortgages?
There are many bad credit mortgage lenders available, however to access these you will generally need to go through a mortgage broker, such as The Money Hub.
What deposit would I need to put down for a Bad Credit Mortgage?
This could range between 15% to 40% all depending upon the level of bad credit that you have registered against you. You should get a copy of your credit report and speak to a mortgage broker, such as The Money Hub, for advice and confirm your options.
How do I find out what Bad Credit I have registered?
The main credit agencies are Experian and Equifax. You should get a copy of your credit report from them and then get in touch with specialist mortgage brokers to confirm what mortgage options you have available.
Bad Credit Mortgage Lenders and Rates

Product Name: Mortgages

Product Description: Bad Credit Mortgage Lenders and Rates

  • Rating
5

Joe

Gary has been brilliant throughout the whole process. Very knowledgeable, helpful and efficient. The service provided as a whole, has been excellent, 10/10.