Mortgages For People With Bad Credit
Latest Deal - NatWest 2 Year Fixed »
Call FREE - 0800 158 2934
- £250 CASHBACK
- 2 Year Fixed up to 60% LTV Deal »
- Call FREE - 0800 158 2934
Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.
Get bad credit mortgages
Mortgages for people with bad credit have become more expensive and harder to get since lenders became stricter about who they lend to. For the most competitive deals, they require a spotless credit history and a significant deposit. Use the tables below to find the best mortgage deals for you:
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
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£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.54% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
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Call FREE on 0800 096 7447 | Fixed | 1.83% Reverts to 3.99% | 2 Years | 75% | Yes | More Info > |
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Call FREE on 0800 077 4336 | Fixed | 1.94% Reverts to 3.94% | 5 Years | 60% | Yes | More Info > |
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£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
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£400 CASHBACK Call FREE on 0808 178 6813 | Fixed | 1.98% Reverts to 4.74% | 2 Years | 75% | No | More Info > |
Call FREE on 0800 077 4336 | Fixed | 1.94% Reverts to 3.94% | 5 Years | 75% | Yes | More Info > |
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£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 2.00% Reverts to 3.99% | 5 Years | 75% | Yes | More Info > |
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Call FREE on 0330 057 1528 | Fixed | 1.65% Reverts to 4.79% | 2 Years | 65% | Yes | More Info > |
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Call FREE on 0330 057 1528 | Fixed | 1.73% Reverts to 4.79% | 2 Years | 75% | Yes | More Info > |
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Call FREE on 0330 057 1528 | Fixed | 2.06% Reverts to 4.79% | 5 Years | 75% | Yes | More Info > |
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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.
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
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Call FREE on 0800 158 2934 | Tracker | 1.84% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
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Call FREE on 0800 096 7447 | Tracker | 1.84% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
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Call FREE on 0800 158 2934 | Tracker | 2.04% Reverts to 3.99% | 2 Years | 70% | Yes | More Info > |
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Call FREE on 0800 096 7447 | Tracker | 2.04% Reverts to 3.99% | 2 Years | 70% | Yes | More Info > |
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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.
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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.
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
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Call FREE on 0800 096 7962 | Fixed Buy-to-Let | 1.74% Reverts to 4.49% | 2 Years | 60% | Yes | More Info > |
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Call FREE on 0330 057 1595 | Fixed Buy-to-Let | 1.79% Reverts to 4.99% | 2 Years | 75% | Yes | More Info > |
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Call FREE on 0800 056 8572 | Tracker Buy-to-Let | 2.65% Reverts to 4.49% | 2 Years | 70% | Yes | More Info > |
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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.
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Compare mortgage deals
Mortgages for people with bad credit might apply to you if:
- You are self-employed and unable to prove your income
- A County Court Judgement (CCJ) has been brought against you
- You have missed mortgage or other payments in the past
Mortgages for people with bad credit can incur higher rates of interest, so make sure you get several quotes before making a decision. You can save time using our free enquiry service; simply fill in the form and an adviser will take all the hard work out of finding the best quotes. Find out who is offering the most competitive rates and apply today by clicking on the link.
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