Borrow £25,000 to £500,000.
Property Purchase and Re-mortgages.
CCJ's, Defaults and Missed Payments.
Mortgage Arrears.
No Initial Credit Check.


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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


(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews


How we work?
By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file for a qualified adviser to review. After a full review of your credit profile the adviser will discuss this with you, provide advice and discuss possible quotations.

If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline our process going forward.
What sort of bad credit do you accept?
We have lenders that will accept clients who have had County Court Judgements (CCJ’s), Defaults, Missed payments, Debt Management Plans (DMP), Individual Voluntary Arrangements (IVA) and discharged bankruptcy. The general rule is that any bad credit needs to be registered over a year ago.
Do I need a deposit / equity?
Yes. You will need a minimum of a 10% deposit however, this is does depend on the level of bad credit that you have, so for example, if you have had CCJ’s/mortgage arrears in the last 2 years you may need to have 15%+ deposit. If you are buying a property through a shared ownership scheme we have lenders that do not require you to have a deposit. If you are buying a property through the Help to Buy scheme we have lenders that can help you providing you have a 5% deposit to put down.
How long does a bad credit mortgage take to arrange?
Once a Decision in Principle (DIP) has been done the typical arrangement times from mortgage application to offer is 1 month. Specialist bad credit mortgages do take more time when compared to standard high street mortgages, due to the extra due diligence that is required on these cases.
I have a low credit score – does that matter?
No. We have lenders some of whom are high street Building Societies that will lend to you if you simply have a low credit score, due to not being on the voters roll or not having much active credit. If you have a low credit score as a result of bad credit (CCJ’s/defaults/missed payments etc) we certainly have specialist lenders that can help.
I have been declined by other brokers – can you help?
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now, we will explain why and provide advice as to what you need to do to be able to get a mortgage in the future.
Can I get a mortgage with 500 credit score?
Yes. To qualify for high street lenders you need to have a good score (with Experian that is a score of roughly 700+), however many building societies don’t credit score at all plus there are lenders that are only available via brokers that do not require you to have any or minimum credit score, so a score of 500 or less is not a concern. These building societies and lenders review you credit profile and make a decision of your credit worthiness (i.e. history of repaying debt) rather than relying on a computer based score.
What banks will give a mortgage with bad credit?
High Street banks would generally not give you a mortgage if you have had bad credit registered, however there are many specialist mortgage lenders & banks who will accept clients with bad credit and these are generally only available via mortgage brokers. These lenders offer rates which are higher than the high street banks due to the extra risk the lender is taking on.
Can I get a 95% mortgage with poor credit?
It depends upon many factors, for example to get a 95% mortgage to purchase a property for yourself you generally should not have had any poor credit registered within the last 3 years as a minimum. You could look at other types of mortgage schemes where lenders will allow a bit more bad credit to have been registered such as Shared Ownership Mortgages or Help to Buy Mortgages. Seeking advice from a qualified mortgage broker is important in these areas.

Getting A Mortgage With Bad Credit

What is a bad credit mortgage?

Bad credit mortgages are much like a standard mortgage. The only real difference is that they assist people with who have perhaps been refused a mortgage in the past for a poor credit rating. Rates are adapted according to each individual circumstance and a deal is then packaged to suit.

A bad credit mortgage is favourable to those who feel as though they deserve a chance to prove that they can sensibly manage their finances by keeping on top of monthly mortgage repayments, despite what may have happened in the past. It is important to assess your own financial situation, and understand it before applying. This way you will be prepared for the scrutiny that lay ahead.

Applying for a mortgage can be stressful at the best of times, but looking for bad credit mortgages can be even more so. The first thing to consider though is that you are not alone.

Bad credit mortgages do exist and you can still qualify for a mortgage despite a poor credit history. You shouldn’t always be put off because of your past, our bad credit mortgages are tailored toward each individual circumstance.

It is estimated that over 6 million people in the UK have adverse credit. It is not a stigma anymore and there are specialist lenders that can help your application to get a bad credit mortgage. The other thing to consider is that we recognise that having bad credit is not always the individuals fault. Divorces, businesses not working out as intended, loss of employment, there are many reasons why people may end up with some adverse credit history on their file.

What is bad credit?

Your credit record is an electronic document containing your financial history that lenders can see if you apply for credit like a mortgage, loan or credit card. If your credit record includes missed payments, too much debt or problems like bankruptcy and CCJs, this is known as bad credit.

Guide to mortgages for people with bad credit

Problems with your credit history may stem from missed payments (for example, credit card payments), a County Court Judgment (CCJ) or bankruptcy. These can all have an adverse impact on your credit and may mean that the risk you present to lenders is too high for them to consider giving you a mortgage. Even if you are accepted, you may face higher interest rates and/or fees, as borrowers with poor credit ratings may not have as much choice as those with good credit scores. However, there are lenders who may consider those who might be rejected for mortgages elsewhere.

Thankfully there are many mortgage companies at the present time who will consider clients for a bad credit mortgage. CCJs, Defaults, debt management plans, arrears are all situations which will be carefully looked at regardless of your current circumstances. We utilise a panel of experienced specialist lenders that can look at each case individually and we recognise that it is important to remember that everyone has different reasons for being in their current financial situation and there are occasions when these difficult situations are not of their own making.

Bad credit mortgage application

A bad credit mortgage application is treated sympathetically and in confidence by us. We will consider your situation and place your details with the most appropriate lender. Then, by carefully assessing your status that includes employment, household income and expenditure as well as other key factors, a decision can be made based upon affordability as well as your credit file.

Applying for and being granted a bad credit mortgage may not be quite the challenge that many people expect. One important element is not to make too many applications. Lenders will see on your credit file that you have made multiple applications and this in itself may have an impact on your overall credit rating. Better to apply to a specialist bad credit mortgage lender who will be able to deal with each case on an individual basis in order to minimise credit searches and to find the most appropriate mortgage product that is available to suit your current needs.

You may need to pay a slightly higher rate initially but this is often a small price to pay for the house of your dreams, Over the course of time and as your credit score improves, you will have the option of switching mortgages in the future to help bring down payments even more.

If you have been turned down by your high street bank for having a less than perfect credit score do not despair as we are experts and have a lot of experience in matching the right mortgage product for the right person. A bad credit mortgage may well be available to you as we have access to the whole of the market, significantly increasing your chances of getting the mortgage that you deserve.

How you can improve your bad credit rating to increase your chances of applying for a bad credit mortgage

  • Make sure you are on the electoral roll.

  • Pay your bills on time and in full.

  • Close any credit accounts that you do not use.

  • Consider applying for a credit builder credit card to improve your credit rating.

  • Sustainable borrowing with a guarantor loan can also improve your credit score.

Can I get a mortgage with no credit history?

It may be possible to get a mortgage without having credit history but it will be much more difficult. It may mean you need a larger deposit, or have to accept less favourable terms such as higher interest rates.

There are specialist lenders that will work with people who have limited or poor credit history. So, if you do have things like County Court Judgements (CCJs), Individual Voluntary Arrangements (IVAs) or bankruptcy in your credit history, it might be necessary to find a lender who matches your particular circumstances.

It will also depend on how much debt you had and how long it has been since the CCJ or insolvency solution has been resolved. Some lenders may be more willing to lend if the amount was below a certain threshold and has been fully satisfied.

If you have no credit history simply because you have not needed credit in the past or are a younger buyer, you may still be able to get a mortgage with a high street bank. It may also be possible to establish a credit history by using credit available to first-time credit users.

Can I get a zero-deposit mortgage with bad credit?

Finding a 100% mortgage where there is no deposit required can actually be quite difficult. Even if you have an excellent credit history, you will most likely need to provide at least a 5% deposit. So, although it may not be impossible for someone to get a mortgage with bad credit and no deposit, it is very unlikely.

If lenders have no evidence in the form of a deposit or credit history as to how likely you are to pay it back, there is no motivation for them to offer the loan. Other factors may affect the decision though, such as your income and the size of the mortgage.

We run a fast, efficient and friendly service helping you to get a bad credit mortgage as quickly as possible, every application is guaranteed to be considered.

Related articles from our blog:

What are Bad Credit Mortgages?



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