Bad Credit Mortgages

Having a bad credit rating or a poor credit history doesn’t have to be a blocker to you getting a mortgage.

If your mortgage application has been declined because of your credit score, it’s still possible to get what’s known as a Bad Credit Mortgage.

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If your mortgage application has been declined because you have a County Court Judgement (CCJ) against you, it’s still possible to get a mortgage with a CCJ.

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If your mortgage application has been declined because you have an IVA on your credit record, it’s still possible to get what’s known as a Bad Credit Mortgage.

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If your mortgage application has been declined because you have a bankruptcy on your credit record, it’s still possible to get what’s known as a Bad Credit Mortgage.

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If your mortgage application has been declined because you have a CCJ for a parking ticket against you, it’s still possible to get a mortgage with a CCJ for a parking ticket

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If your mortgage application has been declined because you have a default on your credit record, it’s still possible to get a mortgage with a default

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If your mortgage application has been declined because you have missed or late payments on your credit record, it’s still possible to get a mortgage with the right help.

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If your mortgage application has been declined because of a low credit score, it’s still possible to get what’s known as a Bad Credit Mortgage.

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Can I get a bad credit mortgage?

If your mortgage application has been declined because of your credit score, it’s still possible to get what’s known as a Bad Credit Mortgage.

Can I get a mortgage with a CCJ?

If your mortgage application has been declined because you have a County Court Judgement (CCJ) against you, it’s still possible to get a mortgage with a CCJ.

Can I get a mortgage with a CCJ for a parking ticket?

If your mortgage application has been declined because you have a CCJ for a parking ticket against you, it’s still possible to get a mortgage with a CCJ for a parking ticket

Can I get a mortgage with a default?

If your mortgage application has been declined because you have a default on your credit record, it’s still possible to get a mortgage with a default

Can I get a mortgage with an IVA?

If your mortgage application has been declined because you have an IVA on your credit record, it’s still possible to get what’s known as a Bad Credit Mortgage.

Can I get a mortgage after bankruptcy?

If your mortgage application has been declined because you have a bankruptcy on your credit record, it’s still possible to get what’s known as a Bad Credit Mortgage.

Can I get a mortgage with missed or late payments?

If your mortgage application has been declined because you have missed or late payments on your credit record, it’s still possible to get a mortgage with the right help.

Can I get a mortgage with a low credit score?

If your mortgage application has been declined because of a low credit score, it’s still possible to get what’s known as a Bad Credit Mortgage.

What are bad credit mortgages?

Bad credit mortgages are, as their name suggests, mortgages which are given to people with a

bad credit rating or a poor credit history. If you’ve been declined a mortgage or loan by your high street bank because of your credit history, there’s no need to panic.

There are many mortgage lenders on the market which specialise in bad credit mortgages – also known as ‘adverse’ mortgages – so even if you’ve been turned down because you don’t have a clean credit file, there are still plenty of options open to you.

Why do I need bad credit mortgages?

Not everyone looking for a mortgage has an unblemished credit record. In fact, you probably won’t be surprised to hear that a significant number of mortgage applicants have a credit score that’s less than perfect.

There are many reasons for this. Missed or late mortgage, loan or credit card payments, bankruptcy or IVAs, CCJs, defaults and repossessions can all have a negative impact on your credit score. So can having no credit history, carrying a high amount of unpaid debt, being subject to a Debt Relief Order, or not being on the electoral register.

On the other side of the coin, keeping a clean credit file for a certain period, paying your bills on time or keeping your credit utilisation low can help to improve your credit score.

Lenders take all these factors into account when deciding whether to approve a mortgage.

However, while some lenders (most notably those on the High Street) generally tend to be more cautious and risk-averse and won’t accept applications from people with too much bad credit, certain lenders are more open to lending to people with credit issues. Some even have products specific to the bad credit mortgages marketplace.

How can I get bad credit mortgages?

If you’ve been declined a mortgage by a high street lender because of your credit score, you’re in the right place. My Mortgage Pro can connect you to an expert mortgage adviser who can give you the right advice to suit your circumstances, before finding a specialist lender and the mortgage that’s right for you. We work with a panel of specially selected mortgage professionals who have many years’ experience in securing mortgages for people with bad credit.

We can connect you to a mortgage broker with the right skills and expertise to scour the whole mortgage market to secure the best deal for you.

So, if you have bad credit, get in touch today.

We’ll hook you up with an authorised and regulated mortgage adviser who specialises in bad credit mortgages and can find the best lender and mortgage deal to meet your needs.