Mortgages For People With Bad Credit

If you require a mortgage and have a history of bad or adverse credit then our specialist bad credit the our approved mortgage experts can help.

All Credit Types
Rated 5 / 5

Norton * Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

Loan Type
All Mortgages (Residential & BTL)

Loan Amount

Variable & Fixed Deals

Loan Term
35 Years Max

Norton are our approved experts. They are a mortgage broker, not a bank, so they can search the wider market place to find you the best products and cheapest rates. Quickly find out how much you can borrow and what it will cost, including rates and fees.

You get more choice of lenders not more rejections. They can help even if you have a bad credit history. And that’s more than any bank on the high street can offer.


What is the reality of finding a mortgage with a poor credit history?

Although it is possible to find a mortgage if you have a poor credit rating, it is a lot more difficult than for someone with a good credit rating. Even then, it will depend on the exact reasons for your poor credit rating as some types of debt are viewed as carrying a higher risk than others.

What can I expect from a bad credit mortgage?

If you have a bad credit rating you will be viewed by mortgage lenders as presenting a larger lending risk to them than someone with a better credit rating. Therefore if you are going to find a mortgage with a bad credit rating you will generally be expected to have a larger deposit. You will find that lenders will restrict the amount that they may be willing to lend you. The maximum that you will be allowed to borrow will be 80% of the value of the property, however you should be aware that some lenders will only allow you to borrow up to 60% of the value of a property.

You will also find that the mortgages available to those with poor credit histories will also have higher rates of interest associated with them and that you will have fewer mortgages to choose from. The same rules apply to bad credit mortgages as they do to all mortgages, the bigger the deposit you are able to put down, the better the rates you can find.

What can I do to improve my chances of getting a mortgage?

Even if you only think you have a poor credit rating it is worth getting a copy of your credit report so that you can see exactly what is bringing your score down. The very first thing you will need to do is to make sure that everything on there is actually correct. Something that will not work in your favour is making multiple applications for mortgages with a range of lenders. Therefore it is worth getting independent financial advice about how to best proceed with a mortgage application as they will already have a good idea of whether you will be accepted or not. If you need to get a potential lender to do a credit check you can ask them if they are willing to carry out a quotation search rather than a credit check as this will not leave a footprint and will give you a good idea whether your application will be accepted.

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