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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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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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!
Our Customers Love Us
4.97 Rating269 Reviews
Suzanna
Excellent communication from start to finish. Highly recommend.
Rasheda
Very friendly and provided all the information I needed.
Pauline
Very pleased with Allen’s professionalism , he was able to answer all my questions to my satisfaction
Paul
Excellent experience all around, used for two mortgages and will use again
Lee
Absolutely brilliant both Matt & Stacey. Really clear with us what our options were. Will use again when i need to find another mortgage.
Ryan
Chloe and Tom were very helpful and informative throughout and very knowledgeable we would recommend UK moneyman to any first time buyers
Michael
I can’t thank or recommend these guys enough. Highly professional, helpful and friendly from the outset - very knowledgeable and great customer service.
Edward
Great company to work with, very helpful and always prompt to answer any queries.
Michael
Great service! Quick and trustworthy!
Jennifer
Excellent service from both Leo and Meghan who we feel went above and beyond to help us get our first mortgage, even when faced with some very unforeseen changes! They made the whole process extremely easy and understandable. We have already...
Keyuri
Very helpful
Shaun
Excellent service from the team, were very informative throughout the process even when we had to swap the house we were purchasing resulting in a new mortgage application.
Ian
Excellent service from Wayne and Stacey. Wayne took time to explain everything and reran mortgage calc a number of times as my property search went on which was much appreciated. Stacey was also extremely helpful, informative and quick to respond to...
Liam
Incredibly helpful from start to finish, gave me all the information I needed and made the whole process much easier
Mark
Megan and Wayne have been great throughout. Both really easy to work with and on top of things at every step of the process. Thanks a lot.
Anonymous
Excellent service by Malcolm, Paula & Meghan. We completed our purchase last week in what was supposed to be a very difficult case due to my bad credit and limited trading history as a director of LTD company. UKmoneyman dug out a lender that...
Jasmine
Very good service received. Wayne is very knowledgeable and helpful especially with me been a first time buyer. Also very accommodating with timings and I was able to have chats later on a night to fit my schedule. Very supportive all the way...
Joseph
So far so good ! The first point of contact was lovely, made me feel at ease and very knowledgeable.
Callum
Absolutely fantastic service from the start, in helping getting a mortgage. Charlie always replied to my messages as quickly as possible and was very clear, thorough and calming through the whole process, cutting out a lot of worries had I not used...
Jonathan
Great help from the team, helped find exactly what we were after, and was an easy straight forward process. Being self employed it can be tricky however there were no problems with the help and advice we received.
Read our 269 Reviews
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 www.register.fca.org.uk
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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 www.register.fca.org.uk
