Poor Credit Mortgages

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

Call FREE - 0800 158 2934 

1.41%Reverts to 3.75% after 2 years


Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Compare poor credit mortgage rates


Having a bad credit history means you could struggle to get a mortgage – there used to be plenty of poor credit mortgages on the market but lately lenders have tightened their lending criteria. If you have CCJs, arrears or even an IVA or bankruptcy, our specialist mortgage advisers might be able to help you find a deal. Use the tables below to compare latest deals:

Fixed Rate Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

1.42%

Reverts to 3.75%

2

Years

60%

YesMore Info >
  • Call 0800 056 8572 to speak to a NatWest mortgage specialist
Fixed

1.41%

Reverts to 3.75%

2

Years

60%

YesMore Info >
  • Call 0800 096 7962 to speak to an RBS mortgage specialist
Fixed

1.59%

Reverts to 4.70%

2

Years

75%

YesMore Info >
  • Available to all customers
Fixed

1.59%

Reverts to 4.70%

2

Years

75%

YesMore Info >
  • Available to all customers
Fixed

2.39%

Reverts to 4.70%

2

Years

75%

NoMore Info >
  • Available to all customers
  • No product fee
Fixed

2.39%

Reverts to 4.70%

2

Years

75%

NoMore Info >
  • Available to all customers
  • No product fee
Fixed

2.09%

Reverts to 4.70%

2

Years

85%

YesMore Info >
  • Available to all customers
  • Product fee of £999
Fixed

2.09%

Reverts to 4.70%

2

Years

85%

YesMore Info >
  • Available to all customers
  • Product fee of £999
Fixed

2.49%

Reverts to 4.70%

5

Years

75%

YesMore Info >
  • Available to all customers
  • Product fee of £999
Fixed

2.49%

Reverts to 4.70%

5

Years

75%

YesMore Info >
  • Available to all customers
  • Product fee of £999

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.
Tracker Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
Tracker

1.59%

Reverts to 3.75%

2

Years

60%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist
Tracker

1.79%

Reverts to 3.75%

2

Years

70%

YesMore Info >
  • Call 0800 158 2934 to speak to a NatWest mortgage specialist
Tracker

1.79%

Reverts to 3.75%

2

Years

70%

YesMore Info >
  • Call 0800 096 7447 to speak to an RBS mortgage specialist.
Lifetime Tracker

2.09%

Life of the mortgage

60%

YesMore Info >
  • Call the HSBC mortgage team 0800 077 4336
  • Product fee of £999
Lifetime Tracker

2.14%

Life of the mortgage

70%

YesMore Info >
  • Call the HSBC mortgage team 0800 077 4336
  • Product fee of £999

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.
Discount Rate Mortgage Deals

Provider

Type

Initial Rate

Initial Term

Overall Cost for Comparison

Max LTV*Product Fee 
Discounted
Variable

1.79%

Reverts to 4.70%

2

Years

4.30%

75%

YesMore Info >
  • Available to all customers
  • Product fee of £999 (£499 existing customers) 
Discounted
Variable

1.89%

Reverts to 4.70%

2

Years

4.40%

80%

YesMore Info >
  • Available to all customers
  • Product fee of £999 (£499 existing customers) 

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.
Buy to Let Mortgage Deal Selection

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed
Buy-to-Let

1.82%

Reverts to 4.25%

2

Years

60%

YesMore Info >
  • Call 0800 096 7962 to speak to an RBS mortgage specialist.
Fixed
Buy-to-Let

1.78%

Reverts to 4.74%

2

Years

60%

YesMore Info >
Fixed
Buy-to-Let

1.87%

Reverts to 4.74%

2

Years

75%

YesMore Info >
  • Available to all customers
  • Call 0330 333 3893 to speak to us about this deal
  • Product fee £995

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.
Independent Mortgage Quotes & Advice Service
Mortgage ServiceIndependent Mortgage AdviceMortgage Quotes Tailored to youFast Track ServiceMortgage Protection ReviewGet Quotes
yesyesyesyesMore Info >
  • Call 0117 332 6063
  • Independent mortgage advice
  • Experienced administration support
  • Fast Track Service

Get a mortgage with poor credit


Our poor credit mortgages service offers:

  • A fast response to your application
  • Expert advice from a UK poor credit mortgage specialist
  • Quotes from a range of leading poor credit mortgage lenders

Lenders will charge more for a bad credit deal, due to the higher risk they are taking on – our poor credit mortgages service can help you by search the market and if any are available, helping you to find the best poor credit mortgage for your circumstances.

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