Bad credit mortgages
Compare specialist mortgage options, personalise your search using details of your credit history or speak to one of our experienced mortgage advisers.
Your circumstances
Specialist lenders can assess different types of previous credit problems in different ways.
Explore mortgage options if a default appears on your credit history.
Mortgages after defaults ›Find out how specialist lenders may consider previous County Court Judgments.
Mortgages with CCJs ›Research mortgage options where you have experienced previous mortgage arrears.
Mortgage arrears options ›Explore specialist mortgage options where an IVA forms part of your credit history.
Search specialist mortgages ›A more personalised mortgage search
A credit score does not tell the whole story. Many specialist mortgage lenders assess the details of previous credit problems against their own lending criteria rather than relying on the type of credit scoring commonly used by high street lenders.
Our new bad credit mortgage search lets you add details of defaults, CCJs, mortgage arrears and IVAs. We use the circumstances you enter to narrow the search against the criteria of our representative whole-of-market panel of specialist lenders, helping you explore mortgage options that more closely match your credit history.
Personalise my mortgage searchAdd the adverse-credit details relevant to you.
Search a representative panel of lenders specialising in more complex credit histories.
Narrow results using the circumstances you have entered.
Important information
The rates shown by our comparison tools are examples of mortgage options that may be available from our representative whole-of-market panel of specialist lenders. Whether a mortgage is available to you will depend on the lender's criteria and your individual circumstances, including the type, amount and age of any previous credit problems.
Our comparison tools can help you research your options, but the results are not a personal recommendation that a mortgage is suitable for you. If you have had credit problems, we recommend speaking to a mortgage adviser before making an application.
More than a credit score
The details behind a credit problem can matter when a specialist lender assesses an application.
A default, CCJ, mortgage arrears or an IVA can be assessed differently by different lenders.
The age and recency of a credit problem can affect which lender criteria you meet.
The amount involved can form part of a specialist lender's assessment.
Whether an issue has been satisfied or resolved, and your more recent payment history, may be relevant.
Your loan-to-value can affect the specialist mortgage options available to you.
Lenders will still need to assess affordability and the wider circumstances of the mortgage application.
Specialist mortgage advice
Bad credit mortgage rates are only part of the picture. Specialist lenders have different criteria for previous credit problems, so the lowest rate you see may not be available or suitable for your individual circumstances.
An experienced adviser can look at the details of your credit history, assess lender criteria and help identify a mortgage that is suitable for your circumstances before you make an application.
We normally do not charge a fee for bad credit mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
Speak to an adviserSpecialist lenders can assess the same credit problem differently.
Understanding the criteria first can help you make a more informed mortgage application.
Rate, fees, criteria, affordability and your circumstances all need to be considered together.
Your home may be repossessed if you do not keep up repayments on your mortgage
Looking ahead
Not necessarily. Credit problems can become less significant to lenders as they get older, and information such as defaults and CCJs normally remains on a credit file for six years. As your credit history changes, the range of lenders willing to consider your circumstances may also change.
This means it can be worth reviewing your mortgage rather than assuming you will need a specialist lender for the full mortgage term. When your current deal is approaching its end, we can review your circumstances again and check whether specialist or mainstream mortgage options may then be available.
Explore remortgage options ›Bad credit mortgage guides & tools
Useful information to help you research specialist mortgage options.
Getting prepared
Understanding what appears on your credit file can help you give an adviser and specialist lender accurate information about previous credit problems.
Personal credit report ›