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Can You Get A Mortgage With Bad Credit?

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

Call FREE - 0800 158 2934 

1.54%Reverts to 3.99% after 2 years

Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Getting bad credit mortgages

Our bad credit mortgage service could help you if you have had a bad credit situation over 12 months ago. If your credit was damaged by a one off event such as divorce, serious illness, or redundancy, our mortgage team could help. Call 0117 332 6061 (8.30am to 6.30pm Monday to Friday) for no-obligation information, or fill out the enquiry form »

Adverse Credit Mortgage Service
ProviderLTV**CCJsDefaultsBankruptcyIVAMissed Loan Payments* 
Up to 75%None in 12 Months - Maximum 5None in 12 MonthsDischarged 12 Months AgoSatisfactorily Conducted 12 Months AgoNone in 12 MonthsMore Info >

Call 0117 332 6063

Our View:

"Credit repair mortgage service to help you get back to a high street mortgage deal - If you have suffered a one off event such as divorce, redundancy, serious illness which has resulted in a "bad" credit entry on your credit file over 12 months ago this service will help you get back on track".

Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

In this example the overall cost for comparison is 3.7% APRC representative.


Check your credit score before you get started

A poor credit score can be an impediment to getting a mortgage, but fortunately there are mortgage providers who specialize in arranging mortgages for individuals with credit records that are not exactly flawless. To help you locate the best mortgage deal for your situation, you can use the tables above to compare the latest mortgage deals for bad credit.

It is a sensible move to check your credit report before you seek a mortgage. Banks and building societies are justifiably wary about who they offer mortgages to, especially in the wake of the most recent FCA regulations which puts the obligation regarding checking mortgage affordability on the lender. Checking your credit rating online can be a good way to get information on any potential issues before you approach any mortgage brokers.

In the event that your credit score is good, you can approach mortgage lenders with confidence. Or you may notice a minor flaw in your credit record which can be easily amended – for example, you may not be on the electoral register. This is something you can easily fix before approaching a mortgage lender for a loan. However, you might find that your credit record is poor - for instance, your financial record may show that:

  • You have been bankrupt previously
  • You have County Court Judgments (CCJs) against you
  • You have had an IVA or other debt management plan
  • You have a background of missed payments on loans or credit cards
  • You have missed mortgage payments or rental payments in the past

If any of the above situations apply, you may need to consider a specialist mortgage for bad credit, provided by a mortgage broker dealing specifically in mortgages for people with a poor credit record. Our mortgage team are committed to helping you find a mortgage solution if you have adverse credit due to a one off event which is now behind you.


The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker