We 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.Get Started
If it is necessary to use a specialist lender to get you the mortgage you need 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.Apply Now
How 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: https://www.checkmyfile.com/credit-report.htm?ref=ukmm&cbap=1 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're flexible around your work and family, we'll be there when you need us.
No upfront fees payable, we are paid on results only.
You'll always know who you are dealing with.
No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.
Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.
We shop around for the cheapest deal for you, saving you time and money.
There isn't a situation we haven't come across before, we fully understand your needs.
We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.
4.98 Rating165 Reviews
Helen was very helpful and arranged us an appointment the same day with the mortgage advisor.
Mizna helped me out so amazingly for my life insurance. She rang multiple times to get everything right and even attempt to entertain my little one when he was getting restless on the phone. Could not recommend her enough.
Mizna has been fantastic throughout the process. Professional, understanding, helpful and reliable. Our previous life insurance policies had exclusions or price increases for certain hobbies and health conditions. Mizna managed to find us a better...
After being told by another broker that there were no mortgage options for me due to a patchy credit history I contacted UK Moneyman. I'm over the moon with the service from Matt, Molly, Megan and everyone else who helped me and my partner...
This company has been amazing in sorting our mortgage. Got the job done quickly and efficiently.
UK moneyman have been absolutely amazing helping me and my partner obtain a mortgage. We are both young and only had contracts of employment, but this was not an issue for them at all. Jason, Chloe and Dan have been so helpful, and frequently in...
Charlie was our broker can’t fault his work in any way. Very informative and really supportive. Thank you for everything guys 💕
Getting my first mortgage has been made super easy and stress-free thanks to Tom & Chloe. Can’t thank you enough! They’ve ensured everything is in place and have made it a really good experience. Tom and Chloe are so friendly; made...
Minza has been most helpful in sorting out our life cover and get the best deal. What a lovely lady to deal with. Very chatty and friendly. Thank you Minza!
Where do I start! Mizna rang me for a review and at first I dismissed it…. So glad I let Mizna review my existing policies, our medical questions weren’t documented probably, I didn’t have cover that I thought I had. Mizna has...
You could say I’m getting on a bit and I was worried that I wouldn’t be able to get a shortish term mortgage then I saw an advert for ukmoneyman and it couldn’t have been easier from start to finish. The whole process must have...
UK Moneyman has been a fantastic mortgage broker from the start to the finish of the process. They found us an excellent mortgage offer swiftly and efficiently- even going the extra mile by working with us between Christmas and New Year. As first...
Having had a very bad experience with the UK's supposed leading mortgage broker, our confidence had taken a huge knock. We came across UK Moneyman during a search for an alternative. And what a find! From the first initial call to being...
Excellent service throughout. I was kept up to date through the process and the mortgage illustrations we provided with were clear an concise. Definitely recommend!!
Mizna helped arrange life cover for me and my partner. She was very knowledge and professional taking the time to explore our individual needs. This gave us confidence that we took out the best policy to suit our circumstances. She helped guide...
Cannot praise the team enough for all their hard work and professionalism. Mizna Coates was brilliant all the way through the process and would highly recommend UK Moneyman to all friends and family going forward.
Very honest and helpful
Mizna Coates has done a fantastic and more importantly, unbiased and diligent job in advising us on a number of Insurance products ranging from life and critical illness to house insurance. Mizna is engaging, open and honest in her approach and the...
Dale was lovely and put me at ease for my initial call Thank you Dale
Great service from start to finish. Jason and Dan kept us informed throughout and really took the pressure off us.