Bad Credit Mortgages

About

Can You Get a Mortgage with Bad Credit?

Bad credit doesn’t automatically stop you getting a mortgage. It may mean fewer options or a larger deposit, but it doesn’t mean “no!.

Lenders focus on your current situation-your income, financial stability, and ability to afford repayments. If you’ve recovered from issues like missed payments, defaults, CCJs, IVAs, or bankruptcy, there are lenders who may still consider you.

Bad credit mortgages are designed for those who’ve had setbacks but are now back in control. The key is applying to the right lenders who understand your circumstances.

We assess your full profile—credit history, income, and deposit—before recommending suitable options. As an FCA authorised, whole-of-market broker, we provide honest, straightforward advice on what’s possible and what may need improving.

How Bad Credit Mortgages Work

Bad credit mortgages aren’t a separate “product” in the way people sometimes think.

They’re standard mortgages offered by UK mortgage lenders who are prepared to look beyond a computer-generated score.

If you’ve had missed payments, defaults or a CCJ, high street banks will often decline automatically. Specialist lenders work differently. They look at context.

They'll ask:

What actually happened?
How long ago was it?

Has it been satisfied?
What does your financial position look like today?

If your income is stable, your outgoings are sensible and you’ve built up a deposit, many lenders are willing to consider you – even with past credit issues.

Manual underwriting is common. That means a real person reviews your case in detail rather than relying purely on automated scoring systems.

It’s less about perfection – more about progress.

And if your finances are now under control, a mortgage is often far more achievable than you might think.

Key Features

Bad credit mortgages tend to work slightly differently from standard deals
Designed for borrowers with adverse or limited credit history
Available through specialist (non-high street) lenders
Usually require a larger deposit
Interest rates may be higher initially

Many borrowers remortgage onto mainstream rates once their credit improves
And importantly, all regulated residential mortgages – including adverse credit cases – fall under FCA regulation. You still receive full consumer protection and oversight.

Credit Issues

Types of Credit Issues We Can Help With

Bad credit isn’t one thing.

It can be a missed payment during a tough month
A default from years ago
An IVA after a business struggled

What matters most to lenders isn’t just what happened – it’s when it happened and what you’ve done since.

We regularly help clients who’ve had:

Missed mortgage or loan payments
Credit card arrears or continued high usage
County Court Judgements (CCJ’s)
Defaults and debt management plans (DMP’s)
Individual Voluntary Arrangements (IVA’s)
Historic bankruptcy

Even recent issues don’t always mean automatic rejection. The key is matching your profile to the right lender rather than applying blindly and risking further declines.

There are now a number of lenders in the UK who specialise in adverse credit cases – but they must be approached properly.

That’s where experience makes the difference.

Why Use Us

Why Use Us If You Have Bad Credit?

When your credit isn’t perfect, applying directly to lenders can backfire
Every declined application leaves a footprint. Enough of those, and your position can get worse before it gets better. That’s why placement matters
A bad credit mortgage isn’t about sending applications everywhere and hoping one sticks. It’s about understanding your credit profile first – then approaching the lender most likely to accept it

credit isn't the end of the road-with the right approach, a mortgage is still achievable

Contact

Get in touch for a quick chat and an idea of rates and fees.