Jump to main content of pageaccessibility informationSitemap
13 Jul 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 Mortgage

Bad Credit Mortgages Explained

Bad Credit Mortgages (adverse credit mortgages or sub prime mortgages) are available if you are unable to take a standard mortgage with a high street lender due to credit problems. We have the bad credit mortgage experts who can help you find a mortgage that’s right for you.

Our bad credit mortgage advice comes from over 25 years of experience in placing difficult bad credit mortgages and is free of charge.

There is no need to worry, because there is help to be found, many 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 sub prime or non-conforming?

‘Sub prime’ borrowers fit a wide range of categories: you may have a bad credit history, mortgage arrears, CCJ’s. 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 sub prime 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 sub prime mortgages or non-conforming mortgages need not always necessarily be the case for you.

Bear in mind that once you have had a sub prime 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 sub prime mortgage or bad credit mortgage advice?

Contact us today and we will source the most appropriate and cheapest bad credit mortgage or remortgage for you. Simply complete our Bad Credit Mortgage Advice enquiry form to speak to fee free mortgage broker today.

Go Direct Mortgage Quotes

If you have had credit problems with defaults, CCJ's, mortgage arrears or Bankruptcies/IVA, we would recommend you do not use our 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.

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. Registered in England & Wales Company 5703224. 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