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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Applying for a mortgage can seem daunting. It can sometimes be a complicated and lengthy process and the choices can seem overwhelming and hard to comprehend. We understand and we are here to help you…

At the Money Hub we can advise and help you choose the right mortgage. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your mortgage, giving you a full detailed breakdown along with the lenders details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

Bad Credit Mortgages


(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.

Bad Credit Mortgages

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.

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.

Thankfully there are many mortgage companies that will consider people for a bad credit mortgage. CCJs, Defaults, debt management plans, arrears, all situations will be carefully looked at regardless of your current situation. We utilise a panel of experienced specialist lenders that can look at each case individually, as everyone has different reasons for being in their current financial situation.

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, And of course, 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 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.

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.

Here is some additional information on related topics from our blog:

What are Bad Credit Mortgages?



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