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 mortgage team can help. Use the mortgage comparison tools to search through the rates and lenders. Contact our mortgage experts to find out which mortgages are suitable for you.

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Mortgage Expert



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Searching: Standard

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Direct 2 Year Discount £995 Fee Product Transfer

Initial Rate
1.23%

Mortgage Type
Discount

Duration
Jun-2019

Monthly Payment
£464.83

APR
4.2%

compare

Intermediary 2 Year Fixed £1499 Fee

Initial Rate
1.23%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£466.78

APR
4.1%

compare

Direct 2 Year Discount £995 Fee

Initial Rate
1.23%

Mortgage Type
Discount

Duration
Apr-2019

Monthly Payment
£464.83

APR
4.3%

compare

Direct 2 Year Fixed £999 Fee Standard

Initial Rate
1.24%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£465.02

APR
3.4%

compare

Direct 2 Year Fixed £749 Fee C/A Premier/Advance Standard

Initial Rate
1.24%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£464.05

APR
3.4%

compare

Direct 2 Year Fixed £1495 Fee

Initial Rate
1.26%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£468.43

APR
4.3%

compare

Direct 2 Year Fixed £1695 Fee

Initial Rate
1.27%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£469.77

APR
4.3%

compare

Direct 2 Year Fixed £1499 Fee Existing Borrower

Initial Rate
1.29%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£470.12

APR
4.3%

compare

2 Year Discount £999 Fee Remortgage Cashback

Initial Rate
1.3%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£468.80

APR
4.9%

compare

2 Year Discount £999 Fee

Initial Rate
1.3%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£468.80

APR
4.9%

compare

2 Year Discount £999 Fee (Scottish)

Initial Rate
1.3%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£468.80

APR
4.9%

compare

Direct / Semi Exclusive 2 Year Fixed £800 Fee

Initial Rate
1.31%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£468.50

APR
5.2%

compare

Direct 2 Year Fixed £1495 Fee

Initial Rate
1.32%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£471.90

APR
3.9%

compare

Direct 2 Year Fixed £995 Fee Existing Borrower

Initial Rate
1.33%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£470.38

APR
3.8%

compare

Intermediary 2 Year Tracker £995 Fee Remortgage

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£471.07

APR
3.4%

compare

Intermediary 2 Year Fixed £499 Fee Product Transfer <£500k

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£468.99

APR
4.2%

compare

Direct 2 Year Fixed £1499 Fee

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£472.32

APR
4%

compare

2 Year Fixed £999 Fee

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£471.03

APR
3.4%

compare

Intermediary 2 Year Tracker £999 Fee

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£470.95

APR
4.1%

compare

2 Year Fixed £999 Fee Remortgage Cashback

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£470.95

APR
3.9%

compare

2 Year Fixed £999 Fee Remortgage Cashback (Scottish)

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£470.95

APR
3.9%

compare

2 Year Tracker £999 Fee

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£471.03

APR
3.4%

compare

Intermediary 2 Year Fixed £999 Fee <£500k

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£470.95

APR
4.2%

compare

Direct 2 Year Fixed £1450 Fee

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£467.03

APR
3.4%

compare

Direct 2 Year Fixed £999 Fee Further Advance

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£471.03

APR
3.2%

compare

Direct 2 Year Tracker £999 Fee Further Advance

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£471.03

APR
3.3%

compare

2 Year Fixed £999 Fee Remortgage Cashback

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£471.03

APR
3.4%

compare

2 Year Tracker £999 Fee Remortgage Cashback

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£471.03

APR
3.4%

compare

Direct 2 Year Fixed £999 Fee Switcher

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£471.03

APR
3.3%

compare

Direct 2 Year Tracker £999 Fee Switcher

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£471.03

APR
3.3%

compare

2 Year Fixed £999 Fee

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£470.95

APR
4%

compare

2 Year Fixed £999 Fee (Scottish)

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£470.95

APR
4%

compare

Direct 2 Year Fixed £995 Fee Remortgage

Initial Rate
1.34%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£470.94

APR
3.6%

compare

Direct 2 Year Tracker £995 Fee Remortgage C/A

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£471.07

APR
3.4%

compare

Direct 2 Year Tracker £995 Fee Remortgage

Initial Rate
1.34%

Mortgage Type
Tracker

Duration
Apr-2019

Monthly Payment
£471.07

APR
3.4%

compare

2 Year Fixed £1395 Fee

Initial Rate
1.35%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£473.14

APR
4.8%

compare

Intermediary 2 Year Fixed £995 Fee

Initial Rate
1.37%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£472.61

APR
4.8%

compare

Intermediary 2 Year Fixed £999 Fee

Initial Rate
1.38%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£473.18

APR
4.1%

compare

Intermediary 2 Year Fixed £499 Fee Product Transfer <£500k

Initial Rate
1.39%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£471.77

APR
4.2%

compare

Direct / Semi Exclusive 2 Year Discount £1000 Fee

Initial Rate
1.39%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£472.76

APR
4.6%

compare

Direct / Semi Exclusive 2 Year Fixed £1250 Fee

Initial Rate
1.39%

Mortgage Type
Fixed

Duration
Feb-2019

Monthly Payment
£473.75

APR
4.6%

compare

Flexx For Term £999 Fee

Initial Rate
1.39%

Mortgage Type
Variable

Duration
Term

Monthly Payment
£473.74

APR
1.5%

compare

Intermediary Exclusive 2 Year Fixed £999 Fee Remortgage

Initial Rate
1.39%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£473.74

APR
3.5%

compare

Direct 2 Year Fixed £1475 Fee

Initial Rate
1.39%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£475.62

APR
4.3%

compare

Direct 2 Year Fixed £1695 Fee Remortgage

Initial Rate
1.39%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£476.49

APR
4.2%

compare

2 Year Fixed £995 Fee Remortgage

Initial Rate
1.41%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£474.87

APR
4.3%

compare

Intermediary 2 Year Fixed £995 Fee Remortgage

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£476.67

APR
3.4%

compare

Professional 2 Year Fixed £1499 Fee Remortgage

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£478.63

APR
3.5%

compare

Flexible 2 Year Fixed £1499 Fee Remortgage

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£478.63

APR
3.5%

compare

Direct 2 Year Fixed £999 Fee C/A

Initial Rate
1.44%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£476.62

APR
3.4%

compare



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Recent mortgage Q&A

Bad credit mortgages

Bad Credit mortgages

If you have a history of bad credit, CCJ’s or missed loan repayments then you may find it difficult to obtain a mortgage with many of the main stream mortgage lenders. Each individual mortgage lender has their own lending criteria which means that while some will accept borrowers with some adverse credit others will not.

Borrowers with a poor credit score will also find that the cost of borrowing is also much higher when compared to someone with a good or excellent credit rating. The good “headline rates” are only available for applicants who have a good, clean credit rating.

It may be wise to try and clean up your credit rating before applying for a mortgage. This may mean paying off any outstanding debts and any unsettled County Court Judgements (CCJ’s).

I know I have a low credit score and a poor credit history which mortgages are available to me?

A quick search here on the website will reveal some of the mortgage products that are available to you. For further advice we recommend that you explain your situation to a mortgage expert found here on the website.

They will ask you some questions and may perform a credit search to discover which lenders would be willing to offer you a mortgage based upon your credit score and past credit history.

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