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.
4.97 Rating187 Reviews
Excellent service from Matt & Molly. Throughly recommend UK money man
All staff very helpful ..patient and knowledgeable. I was always spoken to professionally and courteously. Wayne gave me sound advice and helped me sort out issues in an area I am new too. Very grateful for help and support given.
Excellent professional service from start to finish. Staff are extremely friendly, professional and kept us informed every step of the way, making what can be an extremely stressful process quick, efficient and hassle free. This is the second time...
House-buying is a very stressful business but obtaining a later-life mortgage with UK Moneyman was a pleasure. The staff were extremely professional, knowledgeable, efficient and polite. They obtained a very good deal for us at the speed of light!...
Very Easy to talk to and Very Helpful.
From the start all the staff I have had the pleasure of dealing with were kind, knowledgeable and helpful, and accommodating to my variable shift patterns. Thank you Jason and Chloe for taking me through it all step by step.
Third time using Moneyman. The service has been excellent every time.
UK Moneyman have helped to co-ordinate both my initial mortgage as well as the remortgaging of my current property. The team members from initial deal scoping across the markey to seeing the process through to completion have all been extremly...
Excellent service provided, took out a new life insurance policy easy and stress free 5* service as always
Very polite, help and friendly, listened to what I had to say .
Really helpful and quick to get back
Couldn't have wished for better service. So helpful and supportive; Moneyman completely took the hassle out of everything. Thanks so much.
Being a first time buyer and not really knowing any process or what I need to do Mizna Coates was incredible at helping me sort my life insurance out. She was determined and diligent at trying to source a provider to give me critical illness...
Moneyman are brilliant. Don't know what I would have done without them. They have sorted my mortgage, life Insurance and home insurance. I had know idea were to start. Mizna is a total asset to the company. I feel like I have made a new...
Very helpful thank you
Excellent service from Chris. Told him what we wanted & came back with all options. Didn’t push any extras on us but gave us options. Quick service & now in our new home. Thank you will definitely recommend.
Brilliant service from start to finish. Great communication and always go out their way to help. Mizna looked after us this time for our life insurance and critical illness cover. It wasn’t straight forward to get us cover but she did...
Happy with the fast communication and help from Aaron
First rate service mizna kept me informed every step of the way of where we were at and was clear of what I needed to do. Would recommend to friends and family.
UK Moneyman (Charlie and Chloe) were fantastic during the process of applying for a Mortgage. I sought their help for a mortgage that was outside of what the bank was currently offering and after a few negotiations, they delivered the product that I...