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.Get Started
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 todayApply 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 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.
Getting a new mortgage or porting an existing mortgage isn’t always easy. We’ll be here to answer all your questions throughout the whole process.
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 Rating211 Reviews
What can I say simply the best
UK Moneyman's recent financial health check was incredibly thorough, well-communicated and professional and had a very positive outcome in terms of excellent income protection cover. They have also sourced two excellent mortgages for me on my...
I have used ukmoneyman's services for two mortgages and they have been absolutely amazing! My case had particular challanges, complexities and some technical misfortunes here and there. However Lyndsey and Leo have always kept me up to date,...
the staff are extremely supportive, friendly and helpful. I highly recommend them.
It was nice talking to moneyman this morning and I managed to book my first appointment on the same day, how amazing is that
We needed a specialised mortgage so using a broker was a no brainer. We didn't know what to expect but UK moneyman made the whole process smooth for us. Communication was amazing. Thankyou to Leo and Kerry.
Could not have been more helpful. Friendly and approachable and worked really hard to get us what we needed. Withdrawn highly recommend and will be using Moneyman in the future.
Brilliant service from the start and throughout!
This team really are fantastic, I carried out a RTB mortgage and they have executed perfectly, thanks again to the whole team. Very professional and fast acting.
Very smooth service
We contacted UK moneyman as our first mortgage advisor didn’t work out. After our first conversation things moved quickly, they were thorough with what information we needed to give them, which meant when it came to applying for the mortgage...
IT WAS LOVELY TALKING TO Helen today She was very professional and friendly and very helpful I am looking forward to her colleague Thomas calling me back at 3:30 as a range from conversation on telephone
Everyone at UK Moneyman was really helpful, polite and efficient throughout the process of getting our mortgage offer. As first-time buyers, the process seemed very overwhelming at the beginning but Charlie talked us through each step at the...
Dale was very good and very prompt thank your for your help dale
I spoke to Leaghne and she was very helpful and very patient and polite in all discussions we did. It was very easy to get through.
Really helpful and friendly team that got us the mortgage we wanted.
The service from Charlie and Chloe was outstanding! Charlie was by our side through all the start of the process and Chloe took over later on and helped with every issue we had to make sure everything ran smoothly. They both went above and beyond...
Warm Welcome. Understandi
Just spoke to Aaron very thorough good lad
Seemed a nice, friendly guy. Seemed to understand and actually interested in our application.