3 simple steps to getting a mortgage
Complete our 30 second quiz to quickly see if you can get a mortgage, or call us on 0203 802 1414 and speak to one of our expert mortgage advisors
We will handle all the necessary paperwork and manage your entire mortgage application, to remove the stress and hassle from you!
Congratulations you have now completed! Now get ready to start enjoying the benefits of your new mortgage
Quickly see how likely you are to be accepted for a mortgage, before you apply
If you have had arrears, defaults, county court judgements (CCJs), debt management plans or have been made bankrupt in the past 6 years, there are still bad credit mortgage options available.
Bad credit mortgages help people with a history of adverse or poor credit get on the property ladder. You may have to pay a slightly higher interest rate, as mortgage lenders will deem you to be a higher risk. However, if you keep up repayments on a poor credit mortgage, your credit rating should improve and enable you to move to a standard mortgage at a lower rate after a few years.
Our friendly bad credit mortgage brokers regularly deal with lenders who are experienced in lending to customers with adverse credit ratings, and are well placed to advise you on all your available options. They will work with you to find you the best possible bad credit mortgage deal and secure an agreement in principle, so you can turn your dream of getting a new home into a reality.
Check if you qualify for a mortgage or get your free bespoke quote
Stay up to date on the progress of your applications via your own portal.
See what our customers said about their recent experience with us
and receive your personalised bespoke mortgage quote
Can’t find what you are looking for?
Our friendly mortgage advisors are always happy to help, no matter your credit score, so call us for a free, no obligation chat.
We can even provide you with a Mortgage in Principal completely free of charge, so you can secure your dream home.Find out more
If you have bad credit, the mortgage options available to you are similar to standard mortgages. However, you will have to pay a higher rate of interest, and will likely need a larger deposit of around 15% or more. The more you can save however, the better your chances are of getting your mortgage application approved.
Mortgage lenders see those with poor credit as a risk, and therefore charge a higher rate of interest and request a bigger deposit to mitigate this.
If you have a history of bad credit or are worried about your finances, get in touch. Our mortgage advisors are experts in adverse mortgages and can advise you on your available options to help you get on the property ladder.
Most people have a general idea about their credit rating. But, it’s important to check your credit rating before you apply for a mortgage. In doing so, you will know whether you will need to apply for a standard or poor credit mortgage, and avoid having a rejected mortgage application appear on your report, which could affect your future credit chances. To obtain a copy of your credit report, sign up to either Experian, Noddle or Equifax.
To improve your bad credit rating, there are a few things you can do to possibly increase your chances of being approved for a bad credit mortgage:
Making these changes should help improve your credit score, but it will not happen overnight, especially if you have a history of bad credit or have missed multiple payments.
Speak to a member of the team now
Mon - Fri: 8AM - 9PM, Weekends: 9AM - 5PM
Open 7 days a week
Open 7 days a week
Need advice, but can't talk now? Arrange a callback