Bad Credit Mortgages
Life happens. A missed payment, an unexpected bill, a difficult period — and suddenly your credit file has marks that make getting a mortgage feel impossible.
The good news? Having bad credit doesn't automatically mean you can't get a mortgage. Many lenders specialise in helping people with credit issues, and the right broker can help you find them.
Book a Free ConsultationWhat Counts as Bad Credit?
Different lenders have different definitions, but common credit issues include:
The severity of the issue, how long ago it happened, and whether it's been settled all affect your options.
Can I Get a Mortgage with Bad Credit?
Yes — in many cases you can. Your options will depend on:
- What type of credit issue you have — a single missed payment is very different from bankruptcy
- How long ago it happened — most issues become less significant after 3-6 years
- Whether it's satisfied or outstanding — settled debts are viewed more favourably
- The amount involved — smaller amounts are generally less concerning
- Your current financial situation — stable income and responsible recent credit behaviour help
Some lenders specialise in adverse credit cases and use manual underwriting rather than automated decisions. This means a real person reviews your application and considers the context — not just a credit score.
How I Can Help
As an independent mortgage broker, I have access to lenders that you won't find on the high street — including specialists who consider applications that banks would decline.
I'll help you by:
- Reviewing your credit file and identifying what's likely to concern lenders
- Matching your situation to lenders most likely to approve your application
- Presenting your case in the best possible light
- Being honest with you about your options — and whether waiting might improve them
Frequently Asked Questions
Need Expert Advice?
If you're worried about your credit history, the first step is to understand your options. Book a free, no-obligation chat and I'll give you an honest assessment of where you stand.
Book a Free ConsultationYour home may be repossessed if you do not keep up repayments on your mortgage.
