Jump to main content of pageaccessibility informationSitemap
28 May 2024
Get the Best Rates with our Bad Credit Calculator Speak to a Bad Credit Mortgage Broker no fee
Bad Credit Mortgage Advice
Precise Mortgages
The Mortgage Lender

Bad Credit Mortgages

Bad Credit Mortgage Advice

Complete these 3 simple steps and we will contact you on the date/time specified to discuss your mortgage or remortgage requirements.




Your preferred date:

Your preferred time:

Your name:

Your telephone number:
Your House Name/No.
Your Postcode

I/we expressly consent to be contacted with a view to bringing to my/our attention in the future, products or services that may be of interest to me/us:

  • Mortgage products not linked to my/our existing arrangement
  • Any other products and services

Online Bad Credit Mortgages & Remortgages

Bad Credit mortgages & remortgages are for you if you are unable to take a standard mortgage with a high street lender due to credit problems.

We have the bad credit mortgage & remortgage experts who can help you find a bad credit mortgage that’s right for you. Our Bad Credit mortgage advice comes from over 25 years of experience in placing difficult mortgages and is free of charge.

What’s more is that there is no need to worry, many other people in the UK are in your situation because they do not fit standard mortgage lending criteria.

We help many people out of this seemingly helpless situation, by arranging an adverse credit mortgage (sometimes known as a non-conforming mortgage, bad credit mortgage or sub prime mortgage) until they are back on track.

So what is meant by bad credit mortgage?

Bad credit borrowers fit a wide range of categories: you may have a bad credit history, mortgage arrears, CCJ’s,defaults or IVA's/bankruptcy.

Because of these factors, you do not fit the ‘normal’ criteria. Consequently a mortgage lender may consider you a higher risk than a ‘normal’ mortgage borrower. All of this means the interest rate could be higher.

Will I always need a bad credit mortgage ?

It doesn't sound much help, does it – a higher rate mortgage, when perhaps you are already in a tight spot financially? But it’s worth noting that the higher rates  attached to bad credit mortgages or non-conforming mortgages need not always necessarily be the case for you.

Bear in mind that once you have had a bad credit mortgage or adverse credit mortgage for three years and have managed to meet the repayments on this each month, you will have written yourself a new credit history. At this point we will contact you and help you obtain a new mainstream mortgage free of charge.

Where can I get bad credit mortgage or sub prime mortgage/remortgage advice?

Contact us today using the simple form on the left and we will source the most appropriate and best bad credit mortgage provider for you. Our advisors have years of experiance and offer fee free bad credit mortgage advice.

Go Direct mortgage quotes with bad credit

If you have had credit problems with defaults, CCJ's, mortgage arrears or Bankruptcies/IVA, we would recommend you do not use our bad credit mortgage quote tool. Each lender will have their own criteria depending on many factors, please complete our enquiry form and  advisor will be able to look at your mortgage options for you. Go Direct have access lo Bad Credit Mortgage Lenders who can lend up to 95% of the your property with no credit score.

You may also be interested in:


Think carefully before securing other debts against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

Go Direct.co.uk is a trading style for website purposes of Go Direct UK Ltd.

Go Financial Services is a trading style of Go Direct UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 456600

We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances. Our typical fee would be £349