Poor Credit?

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How it works

3 simple steps to getting a mortgage

Enquire

Enquire

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

Apply

Apply

We will handle all the necessary paperwork and manage your entire mortgage application, to remove the stress and hassle from you!

Complete

Complete

Congratulations you have now completed! Now get ready to start enjoying the benefits of your new mortgage

Can I get a mortgage?

Quickly see how likely you are to be accepted for a mortgage, before you apply

Poor credit mortgages

If you have a history of poor credit, you may automatically assume that you will not be able to get a mortgage. But, this is not the case.

CLS Money has extensive experience in finding mortgage deals for individuals who have had; arrears, defaults, debt management plans or County Court Judgements (CCJs), which has so far hindered their application process. Contrary to popular belief, it really is possible to take your first step onto the property ladder and work towards owning your dream home, even if your credit rating is not in the best of shape.

If you have a history of poor credit, most lenders will consider you to be a higher risk applicant, so you may need to pay a slightly higher interest rate in the short term. However, if you keep your finances under control by keeping up the regular repayments on your poor credit mortgage, you should achieve a better credit rating over time and be eligible for standard lower interest rates, when you come to renew or switch your deal.

Our mortgage advisors are experts in arranging mortgages for poor credit and will search a wide network of lenders for the best deal. Once they are confident that you are likely to be accepted by a particular lender, they will then manage every aspect of your mortgage application to ensure things move along as quickly and efficiently as possible.

Free mortgage quote

Check if you qualify for a mortgage or get your free bespoke quote

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Your Mortgage

Your mortgage, your way

Stay up to date on the progress of your applications via your own portal.

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  • Track the progress of your application anytime, anywhere
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Ready to discuss your mortgage options?

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0203 802 1414

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