We offer bad credit mortgage advice and have helped hundreds of people get a mortgage with bad credit, although often a higher deposit is required.It is possible to get a mortgage with CCJ’s, defaults or missed payments but you can expect to pay a higher rate of interest at least for the first few years.
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If it is necessary to use a specialist lender, a bad credit mortgage broker can help you get the mortgage you need and we will keep this under constant review for you. The idea is that when your credit score has gone back up then you may be able to remortgage to a high street lender later down the line who may be able to offer you a cheaper deal. As a specialist mortgage broker, we've helped 1000s of struggling applicants achieve a mortgage, even when they thought that it wasn't possible. We can try and help you next, book your free mortgage appointment today
Apply NowHow much deposit do I need for a mortgage with bad credit?
If you have bad credit, your lender may want you to provide a larger deposit. For example, this could be somewhere around 15%-30%.
How can I improve my credit score?
There are lots of factors that make up your overall credit score, from registering on the electoral roll to making sure you keep up payments on your credit commitments. Your credit score will not improve overnight, it will take time and patience.
How do I check my credit score?
We recommend using Check my File to obtain your up-to-date credit score. This is because Check my File will combine all of your credit report data from Experian, Equifax, TransUnion and Crediva, giving you a more comprehensive overview of your score all in one place.
What is bad credit?
If you have found yourself in financial difficulty that has led to missed payments on financial commitments which has impacted your credit score, you may be considered to have ‘bad credit’. Depending on what payments have been missed and how many, will determine how your score will be impacted.
Why use a mortgage broker to help me get mortgage with bad credit?
A mortgage broker will have access to specialist lenders who offer products with criteria specifically aimed at applicants who have run into credit problems in the past. It is our job to have extensive knowledge of this criteria, to help recommend the most suitable mortgage for you.
We can work around a timeframe that suits you best, we'll be here to prove you bad credit mortgage advice when you need us.
We won't ask you to pay us upfront unless we can get you a mortgage.
Throughout the entire mortgage process, you'll have the same case manager.
Bad credit mortgage advice in a specialist topic, let us take the stress off your shoulder with our open and honest mortgage advice service.
We want to ensure that our customers are covered beyond their mortgage. We can also help you find the appropriate insurances to protect you and your family.
We'll shop around to find you the most suitable deal with decent rates. We've helped many applicants achieve a mortgage, even with bad credit.
You may have to face paying higher rates, but we've offered bad credit mortgage advice and got so many people onto the property ladder.
We have helped so many achieve a mortgage, even with bad credit. Let us help you too!
Our Customers Love Us
4.97 Rating255 Reviews
Mark
Megan and Wayne have been great throughout. Both really easy to work with and on top of things at every step of the process. Thanks a lot.
Anonymous
Excellent service by Malcolm, Paula & Meghan. We completed our purchase last week in what was supposed to be a very difficult case due to my bad credit and limited trading history as a director of LTD company. UKmoneyman dug out a lender that...
Jasmine
Very good service received. Wayne is very knowledgeable and helpful especially with me been a first time buyer. Also very accommodating with timings and I was able to have chats later on a night to fit my schedule. Very supportive all the way...
Joseph
So far so good ! The first point of contact was lovely, made me feel at ease and very knowledgeable.
Callum
Absolutely fantastic service from the start, in helping getting a mortgage. Charlie always replied to my messages as quickly as possible and was very clear, thorough and calming through the whole process, cutting out a lot of worries had I not used...
Jonathan
Great help from the team, helped find exactly what we were after, and was an easy straight forward process. Being self employed it can be tricky however there were no problems with the help and advice we received.
Paul
Very helpful and efficient service. Wayne, the financial advisor who handled our case was thorough and professional, he gave us some very useful information and importantly sourced a good mortgage for our needs. Once we had a mortgage offer in...
Louise
From start to offer leo and jo have been great and done everything so quickly and I have not had to stress once been to other broker companies and this is the best by far will definitely use them again 😊
Hasan
excellent service
Anonymous
My initial interaction with Faye from UK money man has been really personable and I felt like she understood my needs very well. I’m hoping they can help deliver what I need and I didn’t feel any pressure to have to go further with my...
Rodrigo
UK Moneyman have been super helpful and reliable. Have always been able to count on them getting back to us quickly and made us feel comfortable checking anything out we were not really sure about. They made the whole process as easy and hassle free...
Steph
The team were fantastic, in finding the product for me. Jo also walked me through what to expect when purchasing your first home I.e. time frames, and answer my many questions. Also their after care has been great, checking in on how the purchase is...
Luke
Myself and partner used UK Moneyman for our first time buyer mortgage. We’ve had round the clock care well above the norm. Multiple routes forward regarding which mortgage to go for with lots of information to help prepare us through the...
David
I cannot thank the UK Moneyman service enough. Securing a mortgage meant more than just that to me, it was – is - a life chance. However, because of my credit history, I didn’t think that it could be done. Right from the start of the...
Nathaniell
Leo and Kayleigh have been great from the first phone call that I made to them. They have both helped us each step of the way and it has been a great comfort to my wife and me that everything had been taken care of by them both. We will definitely...
Mary
Ryan and Kayleigh were incredibly helpful and always available to answer our questions whenever we needed - and we had a lot of them as we are first time buyers who didn't have a clue about any of the process to begin with! They secured our...
Danielle
UK money man where so helpful. Chloe and Joe was amazing with us. Stayed in contact with us giving advice and updates, so glad we chose UK money man! Thanks for all your help.
Anonymous
Amazing, when ne and my partner first looked into buying a house, we had no idea about how to get a mortgage or anything. Moneymen were extremely helpful all the way through and sorted everything smoothly and efficiently! Very happy, will use again...
Rebecca
We’re so glad that we decided to use UKM to help us through the process of buying our first home, they took most of the stress off our shoulders and we’re always there to answer any queries. Would definitely recommend them to anyone...
Thorsten
I found Dinah at Harrogate Moneyman to be extremely supportive. She listened carefully to our needs, proposed solutions and followed up closely. A great service - I’d recommend Harrogate Moneyman to anyone looking for mortgage options.
Read our 255 Reviews
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
