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 StartedIf 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
Apply NowOur Customers Love Us
2000+ 5-Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
1 month ago
John
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
1 month ago
Antonia
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
1 month ago
Babak
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
2 months ago
Alistair
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
2 months ago
Hannah
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
2 months ago
Sarah
Fantastic service from Tom Bowes
3 months ago
Brooke
Excellent service, great communication & highly professional
3 months ago
Khristopher
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would happily...
3 months ago
Hilary
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
4 months ago
Nina
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and professional manner....
4 months ago
Stuart
Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.
4 months ago
Danielle
I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding them with...
5 months ago
If you have bad credit, your lender may want you to provide a larger deposit. For example, this could be somewhere around 15%-30%.
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.
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.
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.
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 can work around a timeframe that suits you best, we'll be here to prove you bad credit mortgage advice when you need us.
We won't ask you to pay us upfront unless we can get you a mortgage.
Throughout the entire mortgage process, you'll have the same case manager.
Bad credit mortgage advice in a specialist topic, let us take the stress off your shoulder with our open and honest mortgage advice service.
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.
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.
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 have helped so many achieve a mortgage, even with bad credit. Let us help you too!
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