Bad Credit Mortgages

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

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

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

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Bad Credit Mortgages 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 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

Bad credit mortgage advice 7 days a week, from early until late.

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.

Free bad credit mortgage appointment.

We won't ask you to pay us upfront unless we can get you a mortgage.

Everyone will have their own loyal case manager.

Throughout the entire mortgage process, you'll have the same case manager.

We're here, when you need us to be.

Bad credit mortgage advice in a specialist topic, let us take the stress off your shoulder with our open and honest mortgage advice service.

More than just a mortgage.

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.

1000s of mortgage products. After all, having bad credit doesn't mean that you can't get a mortgage.

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.

We're experienced in finding applicants 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 will guide you through thewhole process.

We have helped so many achieve a mortgage, even with bad credit. Let us help you too!

1000s of mortgage deals for those with bad credit

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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

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