Bad credit mortgage broker for people banks have turned down.
CCJs, defaults, IVAs, missed payments, bankruptcy — if mainstream lenders have said no, we work with specialist lenders who underwrite the human story, not just the score. Free chat. No judgement. No obligation.
What is a bad credit mortgage broker?
A bad credit mortgage broker is a specialist who arranges mortgages for people whose credit file makes high-street banks say no. We have access to a layer of specialist lenders — sometimes called "adverse credit lenders" or "non-prime lenders" — who look beyond the credit score to the full picture of your finances.
The high street uses rigid scoring algorithms. If your file shows certain markers, the system declines you and there's no human appeal. Specialist lenders work differently: they have human underwriters who consider context, recovery, and your current circumstances. That's the door we open.
What counts as "bad credit" for a mortgage?
The phrase "bad credit" covers a wide range of situations. We've placed mortgages for people with all of these — and combinations of them:
CCJs & defaults
County Court Judgments (court orders) and defaults (registered by lenders). The age, value, and whether they're satisfied all matter. Read our CCJ & default guide.
IVAs & DMPs
Individual Voluntary Arrangements and Debt Management Plans — discharged or still active. Specialist lenders consider both, depending on dates and conduct.
Missed payments
Late or missed payments on credit cards, loans, or previous mortgages. Even multiple missed payments often have a path forward.
Bankruptcy
Discharged bankruptcy is workable with the right lender and timing. Even recent discharge can find a home — deposit and time-since-discharge are key factors.
Payday loans
Payday loan history (even satisfied) closes mainstream lender doors. Specialist lenders take a more nuanced view, especially if it was historic.
Low credit score
Sometimes your file has no red flags but a low score from thin credit history. Specialist lenders look at the underlying data, not just the score.
How a specialist bad credit mortgage broker works
Mainstream brokers will run your details through a few high-street lenders' criteria checkers. If you're declined, they shrug. We work the other way around — we start with your specific situation and work out which lender's criteria you actually fit.
What we look at before recommending a lender
The dates of your adverse credit. The values involved. Whether issues are satisfied. The reason — was it a one-off life event, or a pattern? Your current position — deposit, income stability, recent conduct. The property you're buying — type, location, valuation. Each lender weighs these factors differently. Knowing which lender weighs them in your favour is the broker's job.
This is why a specialist bad credit mortgage broker should always be your first call when mainstream lenders have said no — or when you suspect they will. Each rejected application leaves a footprint on your credit file, making the next attempt harder. We aim to get you a yes first time, with the lender most likely to accept your specific situation.
Why use a specialist broker rather than going direct?
Access to lenders you can't reach
Many specialist adverse-credit lenders only work through brokers — they don't accept direct consumer applications at all.
Whole-of-market view
We compare 60+ lenders, including specialists most consumers (and many mainstream brokers) have never heard of.
Protect your credit file
Each declined application damages your file. We aim for one hard search with the right lender, not multiple "let's see what happens".
Plain-English advice
If a lender's policy is daft, we'll tell you. If your situation is workable, we'll tell you straight. No false promises.
How it works — four simple steps
No paperwork before you've spoken to a human. No automated form sucking your details into a black hole.
Free phone chat
Tell Chris what's on your file and what you want to do. No judgement, no obligation, no fee for finding out where you stand.
Honest answer
You'll get a straight answer about whether it's likely possible, with which kind of lender, and roughly when.
Lender match
We pick the lender most likely to say yes first time — protecting your credit file from unnecessary searches.
Hand-held to completion
We package, submit, and chase. You stay updated. No silent weeks.
Bad credit mortgage FAQs
Can I really get a mortgage with bad credit?
What credit score do I need for a bad credit mortgage?
How much can I borrow with bad credit?
Will I pay a higher interest rate?
Can I get a bad credit mortgage with a small deposit?
I've already been declined — does that make it worse?
How long until I can get a mortgage after bad credit?
Are bad credit mortgages safe?
Related guides & pages
Turned down? Turn to us.
One call. Honest answer. No pressure, no judgement, and no fee for finding out where you stand.
Call Chris on 07359 911 696