We believe everyone deserves a chance to own their dream home, regardless of credit history. We specialise in finding mortgage solutions for those who've faced financial challenges.
Access to lenders who specialise in bad credit
CCJs, defaults, IVAs, missed payments — we can help
We search every option to find you a deal
Confidential, understanding, and supportive advice
While many brokers consider bad credit a barrier, we specialise in helping individuals with less-than-perfect credit histories obtain a mortgage. Our experienced team understands the challenges you face.
Whether you've had missed payments, CCJs, defaults, an IVA, or even bankruptcy — there are lenders who will consider your application. The key is knowing which ones and how to present your case.
Our whole-of-market access includes specialist lenders that high street banks won't tell you about. These lenders assess each case individually, looking at your current circumstances rather than just your past.
We'll be honest with you from the start — we'll assess your situation, explain your realistic options, and work with you to find the best possible deal for your circumstances.
From understanding your credit history to securing your mortgage — we handle the complexity.
We'll go through your credit history, understand what happened, and assess your current financial position — no judgement, just honest advice.
We identify specialist lenders most likely to approve your application, matching your credit profile to their specific criteria.
We present your case in the best possible light, ensuring all documentation is in order before approaching the lender.
We manage the application through to completion, handling any queries from the lender and keeping you informed throughout.
Knowledge is power — here's what lenders look at and how you can improve your chances.
With bad credit, lenders typically require 15–25% deposit to offset the higher risk. The more you can put down, the better your rates and the more lenders will consider you.
Before applying, check your report with Experian, Equifax, and TransUnion. Look for errors that could be dragging your score down — incorrect addresses, accounts that aren't yours, or debts already settled.
As a first-time buyer, you pay no stamp duty on properties up to £300,000 and a reduced rate on properties up to £500,000 — saving you thousands.
Bad credit mortgages typically come with higher rates than standard products. However, they're a stepping stone — after 2–3 years of on-time payments, you can often remortgage onto a much better rate.
Each mortgage application leaves a "hard search" on your credit file. Multiple searches in a short period can further damage your score. We'll only apply to lenders we're confident will accept you.
Simple steps like getting on the electoral roll, keeping credit utilisation low, paying bills on time, and closing unused accounts can all help improve your score. We'll give you a personalised action plan.
Answers to the questions we hear most about getting a mortgage with bad credit.
Yes. While you may not qualify for the most competitive rates, many specialist lenders consider applicants with CCJs, defaults, missed payments, IVAs, and even bankruptcy. The key is finding the right lender for your specific situation — which is where we come in.
Bad credit can include missed or late payments, County Court Judgements (CCJs), Individual Voluntary Arrangements (IVAs), defaults, debt management plans, bankruptcy, or simply a thin credit file with little borrowing history. Each lender has different criteria.
Most bad credit lenders require a deposit of 15–25% of the property value, depending on the severity of the credit issues. The larger your deposit, the more options open up to you and the better the rates you'll be offered.
Typically yes — bad credit mortgages carry higher rates because the lender takes on more risk. However, this doesn't have to be permanent. After 2–3 years of consistent on-time payments, you can often remortgage to a standard rate product, potentially saving hundreds per month.
Most negative marks stay on your credit file for 6 years from the date they were registered. After this period, they drop off and no longer affect your score. Bankruptcy is also 6 years. The older the issue, the less impact it has on lender decisions.
It depends on your situation. Sometimes it makes sense to apply now with a specialist lender and remortgage later. Other times, spending 6–12 months improving your score first could save you significantly. We'll give you honest advice on the best approach for you.
Book a free, confidential consultation. We'll review your credit history, explain your realistic options, and find the best path to homeownership for your circumstances.
