Can You Get A Mortgage With Bad Credit?

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1.40%Reverts to 3.99% after 2 years


Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Bad Credit Mortgage Lenders


Our bad credit mortgage service helps back on your feet if you have had an adverse credit situation over 12 months in the past. If you got into difficulty because of a one-off event such as redundancy or illness, please contact our mortgage team on 0117 332 6061 (8.30am to 6.30pm Monday to Friday) for more information or use our short 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.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Finding a mortgage lender for bad credit

In the event that your credit history is not perfect, don't give up hope of acquiring a mortgage -there are still mortgage lenders who have experience in offering mortgage options for those with poor credit scores. Bad credit mortgage lenders are increasingly common, and can give individuals who do not have impeccable credit histories the means to get a mortgage. Mortgage lenders for bad credit will consider most monetary circumstances, such as:

  • People who have missed mortgage repayments previously
  • People who have County Court Judgments against them
  • People who are self employed or who cannot demonstrate their salary in a conventional way.

Whether you have past mortgage payments outstanding, or have had issues with CCJs or even insolvency,mortgage lenders for bad credit could provide assistance.There are different levels of bad credit mortgage accessible, depending on the seriousness of your poor credit score and the reasons behind your bad credit rating. Options range from mortgages for people who have had issues with mortgage arrears previously, to mortgages for individuals who have County Court Judgments on their credit record for non-payment, to mortgages for individuals who have defaulted on loans in the past or had a property repossessed. 


If you have a flawed financial history or a bad credit record it can be advantageous to search out a mortgage specialist with significant experience of mortgage lending for bad credit. This can enhance your chances of getting the mortgage you require because the mortgage broker will be accustomed to managing potential borrowers in similar financial circumstance to your own. They may consider applications on a case by case basis, as opposed to the electronic screening procedure utilized by some mortgage lenders which will automatically reject individuals with poor credit scores. We offer a "whole of market"independent mortgage advisory service. 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.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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