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Bad Credit Mortgage Brokers

There’s a common misconception that mortgage companies will never lend to those with a poor credit history.

Though having a credit record that is less than squeaky clean may limit your options, you certainly shouldn’t give up hope of ever purchasing your own property if you have encountered financial difficulties in the past. There are plenty of bad credit mortgage lenders who will offer specialist products which are more flexible with criteria. Bad credit mortgage lenders will even consider cases from individuals who have had arrears, defaults, county court judgements (CCJs), individual voluntary arrangements (IVAs), been placed on debt management plans or suffered bankruptcy in the last six years.

You may need to pay a slightly higher interest rate when you first take out the loan, as the provider will automatically consider you to be a higher risk. But if you keep up your repayments, and take active steps to improve your credit rating, there’s no reason why you can’t find yourself in a much better financial position in the months and years to come – We could even look at moving your from your bad credit mortgage lender to access a much better deal when you eventually come to remortgage.

Here, you’ll find more information on adverse credit mortgages, along with a list of the things you can do to improve your chances of securing a mortgage offer if you have a poor credit history.

• Credit and credit reports explained
• Check your credit score
• What is a bad credit mortgage?
• How difficult is to get a mortgage with adverse credit?
• What will lenders accept – and what won’t they accept?
• What kind of deposit will I need?
• Can I get a mortgage with late payments on my credit report?
• Can I get a mortgage with a CCJ?
• Can I get a mortgage after defaulting?
• Can I get a mortgage if I’m on a debt management plan (DMP)?
• Will an IVA affect my mortgaging prospects?
• Can I get a mortgage if I've been declared bankrupt or am currently bankrupt?
• Can I remortgage my home with bad credit?
• What kinds of specialist mortgages could I get with adverse credit?
• How can I increase my chances of getting a mortgage if I’ve got a poor credit history?
• Your adverse credit mortgage checklist
• Speak with one of our experts

If you’d rather discuss your options during a consultation with an experienced adverse credit mortgage broker, contact CLS Money today. Our advisors have excellent connections with bad credit mortgage lenders, we are also whole of market so we can source all available lenders who may be willing to take on cases like yours, and pinpoint your best available option. Whole of the market means that we are not limited to popular products from the major banks and building societies and can source deals from more niche providers that specialise in helping borrowers in your situation.



Credit and credit reports explained

When you take out a loan or agree with a lender to pay for goods and services at a later date, you’re entering into what’s called an instalment credit agreement. The lender will allow you to pay in instalments, or with a lump sum, on the condition that these payments are met at certain times, and possibly even with added interest.

Revolving credit agreements, such as those taken out with credit cards, enable you to borrow money as and when you need it, within a set limit. Once you have paid off some or all the debt you have acquired, you can re-borrow as much as you like, within the confines of the limit the lender has set for you.

Basic information, such as your name, address and birth date, a timeline of all your instalment and revolving credit commitments, aka all the credit accounts you have opened and closed in the last few years, will all be visible on the credit reports that are readily available from credit agencies such as Experian, Equifax and TransUnion. Crucially, these reports will also contain details of missed payments, account collections, foreclosures, repossessions, and bankruptcies.

These reports can be viewed by anyone who is considering offering you a credit agreement, the credit provider that you apply to will carry out a credit search, this will leave a footprint on your credit report, depending on which credit search they carry out, either hard or soft, it will leave a footprint on your file, soft credit searches have minimal effect to your score, whereas hard credit searches can bring down your total score.

To help companies make better lending decisions, the three main credit agencies listed above will analyse all your credit data to calculate your overall credit rating. They will assign you a score between 300 and 900, and it is this score that will help lenders determine what kind of borrower you are.

The lower the score, the higher the risk to a lender, this is where bad credit mortgage lenders come into their own, there will not just go by the face value of your credit report, they will look into why your credit is the way it is.



Check your credit score

Checking your credit score and report is key to obtaining a mortgage. Why? Because it provides us with a complete in-depth and up-to-date breakdown of your current credit situation, allowing us to pinpoint specific bad credit lenders, who’s criteria will mould around your credit profile, taking into consideration the credit score, along with the exact date, type of credit and amount for each default, CCJ and/or arrears. In addition to this, it can also uncover any unknown issues affecting your score, which can prohibit you from moving forward with your financial future.

There are three main credit agencies that lenders use, Experian, Equifax and TransUnion. Each credit agency could have different information showing, therefore, we have teamed up with Check My File. They not only offer a free 30-day trial but they also have all 3 agencies showing on the one report which means any issues affecting your credit rating can be easily picked up by one of our mortgage advisors.

Provide us with a credit report today, and uncover the issues that could be affecting your credit score! Click here to access your free credit report with the three top credit agencies all in one report!



What is a bad credit mortgage?

When we talk about adverse credit mortgages, we are referring to mortgages specifically designed for people who have struggled to keep up with credit agreements in the past, and who therefore have a lower than average credit score. These kinds of mortgages are offered by specialist bad credit mortgage lenders, its unlikely to find adverse credit deals from Highstreet lenders as they don’t deal with that sort of risk.



How difficult is to get a mortgage with adverse credit?

Having a bad credit score will affect your chances of getting a mortgage because it demonstrates to the lender that, based on your previous financial behaviours, you are more likely to default on your payments and therefore put their capital at risk.

Mortgage companies will explore many factors when they are assessing your application. credit history, however, is a massive factor and can be used to calculate interest rates, preferred loan to value (LTV) ratios and even other mortgage terms. Bad credit mortgage lenders will analyse your adverse credit file in more detail to work out what happened, how long ago it happened, and what impact the incident(s) had on your overall financial position.

If they don’t like what they see, they may choose to offer you a deal with higher interest rates to mitigate risk, or they may ask you to put down a higher deposit towards your purchase as extra security. Or, they may decide not to offer you a deal at all.

Don’t be disheartened, though. Lenders’ appetite for risk has increased in recent years, and more and more banks and building societies are now offering specialist mortgages for people with a history of poor credit. This influx of new adverse credit products into the market has led to increased competition, too, and rates have decreased as a result. You just need to look beyond the mainstream High Street providers towards niche bad credit lenders who a different view on your circumstances.

(Remember, products offered by bad credit mortgage lenders are not always advertised. For the best chance of finding a great deal, you need to speak to an experienced mortgage broker who has direct access to products from across the whole of the market.)



What will lenders accept – and what won’t they accept?

It’s a great question – but as affordability criteria vary from lender to lender, it’s not one that can be answered in a sentence or two.

Some black marks on your credit file will have more of an impact on your overall credit score than others. For example, a period of bankruptcy will be much more concerning to a lender than a couple of missed utility bills. Similarly, an issue that happened five years ago will hold much less weight than something that occurred within the last 12 months.

However, incidents that seemed minor at the time will continue to be displayed on your file for up to 6 years. So, to increase your chances of securing a good mortgage deal, you need to avoid defaulting on payments altogether – or at least wait until these issues have been removed from your file.

It’s worth noting at this point that your credit rating is only one piece of the puzzle. Lenders will have many other eligibility requirements and will nearly always look at your employment status, how much you earn, what kind of property you want to buy and how much you want to borrow in addition to your credit history before coming to a final lending decision.

They will also be more willing to accept your case if they can see you have taken steps to improve your position and are now much more financially secure.



What kind of deposit will I need?

If you want to buy a house with bad credit, you will typically need to put down a bigger deposit than someone with a better credit record, like a lot of the bad credit mortgage process, this comes down to risk.

A lender who is only lending 75% of the property value, has a lot less risk than a lender who is lending 95% of the property value, and here’s why – Repossession. The worst-case scenario for any mortgage is a repossession, this is when a lender seizes the property and sells it due to failure to comply with the mortgage offer, this can include missing mortgage payments.

When a lender sells a property, the majority of the time it will go to auction to get a quick sale, freeing the lender's funds tied up in the property, which then can now invest into new clients. Selling a property at auction is quick, but the lender might miss out on the full market value, a lender essentially trades time with property value - This is where your deposit comes into play.

For an example, if a property was worth £100,000.00 and you put in 5% as a deposit, you loan amount would be £95,000.00, if the lender then has to repossesses the property and sells it at auction for a reduced rate of £90,000.00, they would then be £5,000.00 out of pocket. But if you had to put down 25% as a deposit, they would actually be £15,000.00 up after the sale, these funds would cover the lender's legal costs with a repossession.

Essentially, the idea is, if you are more likely to default and be repossessed then the lender needs more funds upfront to mitigate that risk, but if you a not likely to miss any payments, and the property will likely never be repossessed, you will only need a little deposit.

In the UK, the usual minimum requirement for a deposit is 5% of the purchase price. For Buy to Let investments, this is slightly higher at 15%. If your credit issues are comparatively minor – and if they took place a matter of years, not months, ago – there may be lenders in the wider market who will consider a loan to value (LTV) of between 90% and 95%. However, if your credit report contains more severe marks, such as IVAs, repossession orders or bankruptcy notices, and these took place within the last 3 years, you should expect to have to put down closer to 25%.

If you do not have a sizeable deposit, you could look into getting a residential home loan with the help of a guarantor. There’s still no guarantee your case will be accepted, though, as the lender may still consider you to be too much of a risk even if a friend or family member is willing to vouch for you. Guarantor mortgages have fallen out of favour in the UK. Complicated legal work has made them risky for a lender to even look into. Even with access to the whole of the market, these can be extremely hard products to source.



Can I get a mortgage with late payments on my credit report?

Yes – but you will likely need to approach a niche bad credit mortgage lender as opposed to a High Street bank. Mainstream mortgage providers use much stricter eligibility criteria and may not look kindly upon individuals who have been unable to keep up with bill, rent or mortgage payments in the past.

You will have a much better chance of success with a bad credit mortgage lender, they will be willing to delve a little deeper into your credit file in order to understand why the payments were missed in the first place. Additionally, you will also be more likely to secure a mortgage with a history of late payments if these oversights happened more than three years ago, and if you can prove that you are now on top of your finances and are not in arrears with any of your credit accounts (ie, you do not owe more than one payment for the current month).

As always, we would suggest getting specialist advice from our bad credit mortgage advisors, who have a great deal of experience in securing home loans for people with missed payments on their credit file.



Can I get a mortgage with a CCJ?

Some lenders will dismiss your case straightaway if your credit file contains mention of a County Court Judgement (CCJ), even if it has been settled. Bad credit mortgage lenders, however, will take a more positive view on the situation as long as you meet other distinct eligibility criteria, you have a reasonably sized deposit (usually 10% or more), and/or your CCJ was registered more than three years ago.

CCJs registered in the last twelve months will have much more of a negative impact on your chances of securing a mortgage offer. Particularly large CCJs, multiple CCJs, and satisfied CCJs will restrict your options further.



Can I get a mortgage after defaulting?

Many lenders will not loan to someone with defaults on their credit file. However, you’ll be pleased to hear that there are some bad credit mortgage lenders that specialise in default mortgage and will be prepared to review all of your credit reports – not just one – and assess the level of risk involved in the loan from there.

Much like with CCJs and other kinds of late payments, your ability to get a mortgage with defaults will really depend on how long ago these defaults took place, the types of accounts you owed money to, and when these debts were settled.

Satisfied defaults are considered better than unsatisfied ones, because they are proof that even though you have failed to repay your debts in the past, you have since straightened out your finances. Minor defaults, such as missed phone contract payments, will be taken less seriously than defaults made on mortgage payments or secured loan payments.



Can I get a mortgage if I’m on a debt management plan (DMP)?

Yes – but you will need to be able to prove that you can afford your mortgage repayments on top of any outstanding debts.

If your debt management plan has been in place for some time, and you have been successfully meeting all your payment obligations since it began, many lenders will consider you to be a lower risk candidate, as you have already proven that you have the means to satisfy the plan’s terms. If you have taken out the DMP in the last six months, however, your options may be more limited.

Your case will also depend on what these debts were relating to. For example, if you are on a plan to pay off unsettled store credits, bad credit mortgage lenders will be likely to look at your situation more favourably than if you are still tackling a credit card overdraft.

Bear in mind that if you are planning to get a mortgage on a debt management plan, your income multiples may be affected – and it’s these multiples that ultimately determine how much you can borrow. Somebody with a clean credit file and no DMP may be able to obtain up to five times their income, whereas an individual on a DMP may only be offered four times this total.

You may also find that you need to enter into a mortgage deal with higher interest rates, and/or you need to put down a higher deposit to satisfy the lender’s risk mitigation criteria.



Will an IVA affect my mortgaging prospects?

Some lenders will automatically decline an application from anyone who has ever had an individual voluntary agreement (IVA) in place. This is because a history of being on this kind of debt repayment plan indicates that the person has struggled with their financial commitments in the past.

But if you have (or have had) an IVA, don’t despair. A growing number of bad credit mortgage lenders are accepting applications from those who want to mortgage or remortgage with an IVA on their credit file. These companies will investigate your credit issues and assess them according to their frequency and severity.

If you can, wait until you have either finished paying the IVA off or it has dropped from your file before approaching a lender for a loan. (It normally takes 6 years for an IVA to disappear.) Doing so will improve your credit profile and give you access to much better IVA mortgage deals.

If this isn’t possible, and you’re keen to make a purchase on a new property or remortgage your existing home while the IVA is still present, contact our brokers to discuss your circumstances in more detail and they will connect you with specialist lenders who can offer a mortgage even with bad credit.



Can I get a mortgage if I’ve been declared bankrupt or am currently bankrupt?

If you have been made bankrupt in the past 6 years and are either struggling to get a mortgage or worried that you might not be accepted, there are post-bankruptcy mortgage options available and we can help!

If you have been discharged for at least 12 months, there could be available lenders that are willing to look at your options and potentially even offer a bad credit mortgage, your interest rate may be slightly higher initially, as mortgage lenders will consider you a higher risk. However, if you keep up your repayments, your credit rating should improve and should enable you to remortgage to a standard mortgage with a lower rate after a few years.



Can I remortgage my home with bad credit?

It is certainly possible to switch to another mortgage deal at the end of your current term if you have a history of adverse credit, or if your current lender offers mortgages for bad credit borrowers.

You will be able to access a better range of deals if you can settle as many of your outstanding debts as possible before your mortgage is up for renewal, and if you can prove that you have stayed on top of your mortgage repayments to date (with no exceptions).

If you’re concerned that your bad credit history may affect your remortgaging prospects – or you are worried that having little to no credit activity might hinder your chances of securing good terms – speak to the team here at CLS Money well before your existing term is due to end. We have helped many applicants find suitable bad credit remortgaging options even when there is evidence of defaults, CCJS, IVAs and other marks on their credit files.



What kinds of specialist mortgages could I get with adverse credit?

Depending on your circumstances, you may need your broker to look at a more niche mortgage arrangement. Requiring a complex mortgage may narrow your chances of being able to get a deal – but because there are more lenders in the market who are specialising in adverse credit mortgages, it’s always worth checking to see what kinds of products are out there before giving up on your dream of owning your own property, we are a whole of market mortgage brokers so we have got the necessary tools to secure mortgages for bad credit client who are asking the question “can I get a mortgage with bad credit?”.

Expat mortgages

Banks and building societies often deem expatriates to be higher risk, even if they have an acceptable credit status. Add into the mix that it is often trickier to trace the credit history of people who have lived abroad for some time, and you can understand why more mainstream lenders may not want to offer a mortgage to someone in these circumstances. However, there are specialist mortgage providers out there who are willing to assess mortgages for expats on a case by case basis – and these are the kinds of specialist lenders you need to approach if you are an expat getting a mortgage with bad credit.

Bear in mind that if you are looking to purchase a property in another country, the information here may not apply, as you will need to satisfy the eligibility criteria of international agencies.

Second home mortgages

You may think that, if you have a history of adverse credit, you will automatically be refused a mortgage for a second home. But because the lender can use your first property as collateral, they may be more inclined to offer you a deal. As with any mortgage application, the key question is this: when all of your outgoings, debts and other mortgage repayments are taken into consideration, will you be able to afford to pay back what you owe on your second property? If the answer is no, we would recommend settling some of your debts before considering another large-scale purchase.

As well as taking your credit score into consideration, lenders may calculate your debt-to-income (DTI) ratio to see if the monthly payments will be within your means. If your total debts are less than a predetermined percentage of your income, you may be eligible for a loan. A debt-to-income ratio of less than 40% is much more favourable, so try to aim for this wherever possible to maximise your chances of getting a second home mortgage with bad credit.

Large home loans

It’s not impossible to borrow a larger amount of money if you have a history of adverse credit – but it certainly can be challenging to find a lender willing to release larger mortgages with a bad credit history factored in.

If you are looking to secure a much larger loan, we would highly recommend getting in touch with our mortgage brokers for specialist advice. They will be able to search the whole of the market to find lenders who have looser eligibility criteria and who are willing to look at your individual circumstances.



How can I increase my chances of getting a mortgage if I’ve got a poor credit history?

Follow these steps, and you will be able to approach potential adverse credit mortgage lenders with a much stronger case.

1. Get hold of your existing credit reports

Forewarned is forearmed, as they say. Before you even think about looking for bad credit mortgage deals, obtain copies of your current credit reports to see which credit issues are still showing up, and which have already dropped.

Lenders will usually source reports from the three main credit agencies – Experian, Equifax and TransUnion – which will each contain information on your previous loans, credit card bills, overdrafts and utility accounts. To access your free credit reports click here.

Remember, each of these reports may display slightly different information. If you spot something on any of them that you believe is incorrect, contact the credit provider to ask them to update their records, or ask the agency themselves to look into the problem.

2. Optimise your credit rating

In the 6 to 12 months leading up to your mortgage application – or longer, if possible – try to settle as many of your outstanding accounts as you can. This will make you much more attractive to lenders, as it will prove you are serious about getting your financial affairs in order. Plus, paying off as many debts as possible will ultimately lower your debt-to-income ratio and free up more monthly capital that you will be able to put towards your mortgage repayments.

Want another top tip? Make sure you’re registered on the electoral roll with the address that will eventually be on your mortgage application. This gives lenders proof of your residency.

3. Raise as much deposit as you can

Bad credit mortgage lenders are much more likely to consider your application for an adverse credit mortgage if you are able to provide a higher deposit upfront. We appreciate that it can be difficult to grow your savings pot if you are still grappling with unpaid debts – but the more you can put towards your purchase, the better. If you want to be able to access the most competitive interest rates, aim for between 15% and 25% of the purchase price.

4. Avoid making multiple mortgage applications in a short period of time

Every time you make a credit application online, or make a request to a mainstream bank for a credit loan, potentially a ‘hard’ search could be left on your file. Hard credit searches and rejected applications may signal to other potential lenders that you are seeking additional finance, or you are having trouble securing finance. So, when you’re enquiring about your mortgage, obtain a credit report first to provide to your mortgage advisor, they will then be able to find out which lenders could potentially accept your application, without going through the guess works with multiple lenders, this not only saves you time but also increases the chances of getting a mortgage with bad credit. If we can see that hard credit searches will drastically impact your mortgage application, we will apply to lenders who offer soft searches. These will not be visible to other companies but will still give you a good idea of what you can borrow and how likely you are to be accepted.

5. Seek advice from a specialist adverse credit mortgage advisor

There really is no substitute for professional advice from a bad credit mortgage broker with in-depth knowledge of what’s on offer from different lenders. Speak to a member of our team today

By working with an advisor who has access to the whole of the market, your search for the ideal mortgage deal won’t be limited to the products on offer from mainstream banks and building societies, which will be likely to be out of your reach anyway due to your questionable credit history.

Instead, we will be able to source direct deals from mortgage providers who are known to be kinder to people with bad credit. What’s more, your broker will be able to suggest ways to strengthen your application so you can access the best possible deals.

For more information on how to improve your credit score, check out our latest video.



Your adverse credit mortgage checklist

Want to purchase a new property, but worried that your poor credit history will be held against you when it comes to how much you can borrow? Here’s what you need to do to attract better terms from a lender that is willing to consider your case:

Speak to a member of our team. We have lots of experience in securing mortgages for people with bad credit

Download copies of your credit files, and make sure all the information on them is accurate and up to date

• Take steps to optimise your credit score

• Clear as many of your debts as you possibly can before applying for a mortgage

• Save a larger deposit to increase your options



At CLS Money, we specialise in securing home loans for people with adverse credit.

We know that, if you have a history of bad credit, securing the right mortgage can feel like a daunting task. There’s so much to consider, especially when it comes to taking the right steps to maintain a better credit score and prove to lenders that you’re a responsible borrower.

Our specialist bad credit mortgage brokers understand the obstacles you’re facing. But perhaps more importantly, they have the knowledge, the experience and the contacts to greatly improve your chances of finding a mortgage that will support your longer term goals.

We have access to the whole of the market, which means we can source mortgage offers from niche lenders with more flexible eligibility criteria than many of the High Street banks. We also have an innate understanding of what these specialist lenders are looking for, and we’ll be able to help you optimise your application to give you the best possible chance of success.

You will also get access to our CLS portal, which allows you to quickly and conveniently upload any documents that support your case, as well as stay up to date with the progress of your application.

Contact us today to book your free, no-obligation consultation at a time that suits you. Evening and weekend appointments are available.

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Getting a mortgage with bad credit: FAQs

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.

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How does a bad credit mortgage work?

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.

How do I know if I have bad credit?

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.

How can I improve my poor credit rating?

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:

  • Check that you are on the electoral roll
  • Always pay your bills on time and in full
  • Close any credit accounts you have for stores or catalogues and no longer use
  • Consider applying for a credit builder credit card, to help show lenders that you can manage money responsibly
  • Guarantor loans can also improve your credit score, if you keep on top of your repayments
  • Regularly check your credit report to make sure that all the information is correct. If any of the details are incorrect, contact the relevant lender and ask for these to be amended.

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.

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UPDATED 5/11: We are open like normal, although applications may be slower than usual due to third parties processing times. The good news is Mortgage Lenders are open and Valuers are still out valuing properties. Contact our team on 01268 931611 for any questions or updates.