Bad Credit Mortgages

We have a history of obtaining specialist mortgage deals for applicants with bad credit.

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Just because you have bad credit, doesn't mean that you can't get a mortgage.

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.

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Our mortgage advisors have access to 1000's of specialist deals.

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.

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Popular FAQs

How much deposit do I need for a mortgage with bad credit?

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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?

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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?

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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?

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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?

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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.

8 Reasons to choose UK Moneyman

Open 7 days a week until late.

We're flexible around your work and family, we'll be there when you need us.

No cost to you consultation.

No upfront fees payable, we are paid on results only.

You'll get your own dedicated case handler.

You'll always know who you are dealing with.

We're on your side, we work for you.

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.

We're authorised by the Financial Conduct Authority, a consumer watchdog for financial services.

Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.

1000s of potential options.

We shop around for the cheapest deal for you, saving you time and money.

We're experienced and knowledgeable.

There isn't a situation we haven't come across before, we fully understand your needs.

It's not just about the mortgage.

We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.

Our Customers Love Us

Reviews Stars4.97 Rating187 Reviews

We search 1000’s of mortgage deals for you

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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