Struggling to Get Approved? We Specialise in Bad Credit and Adverse Credit Mortgages
Struggling to get approved due to CCJs, defaults, IVA or a low credit score? A bad credit mortgage might be your path forward. At Specialist Mortgages Pro, we specialise in adverse credit mortgages, helping first-time buyers and homeowners in the UK secure financing—even with past financial issues. We work with a panel of specialist lenders who assess your full story, not just your credit score.
Convenient options for you.
Getting onto the property ladder with bad credit might seem out of reach—but it’s absolutely possible. We work with specialist lenders who offer first-time buyer bad credit mortgages with just a 5–10% deposit, consider applicants with historic CCJs, defaults, or low credit scores, participate in government schemes like Shared Ownership or First Homes, and accept gifted deposits or non-traditional income.
Already own your home? A poor credit score doesn’t have to keep you stuck with high-interest payments. An adverse credit remortgage could help you switch from your lender’s costly Standard Variable Rate (SVR), consolidate existing debts into your mortgage for easier management, release equity for home improvements or personal goals, and secure a fixed-rate deal before interest rates rise further.
Contact us today for a fast response, expert mortgage advice, and tailored support with your
bad credit mortgage needs!
A bad credit mortgage, sometimes called an adverse credit mortgage, is designed for borrowers with a less-than-perfect credit history. These products are offered by specialist lenders who use flexible criteria and a more personal approach to assess risk. You might qualify for a bad credit mortgage if you’ve experienced any of the following:
We’ve helped hundreds of clients in a range of challenging financial situations, including:
Most high street banks use automated systems that instantly decline applications with any sign of past credit problems. These systems often ignore important context—like how long ago the issue occurred, your recent financial behavior, or whether it’s been fully resolved. That’s where specialist mortgage brokers like us come in. We match your unique profile with lenders who take a human-first approach—because a credit score alone doesn’t tell the full story
We take the stress out of the process with expert advice, industry connections, and an understanding of complex cases.
We have relationships with a wide panel of specialist mortgage lenders who are open to working with applicants who don’t meet traditional lending criteria.
We help match you to lenders who assess your case based on factors like:
Our team has decades of experience working with adverse credit mortgage clients. We understand the system and know how to present your application in the best possible light to improve your chances of approval.
Key questions answered about bad credit mortgages.
A mortgage for people with poor credit history, like defaults or CCJs. It’s offered by specialist lenders and may require a higher deposit and interest rate.
It’s possible, but your options may be limited. Lenders typically prefer at least 12 months of trading history, though some may consider less with strong supporting evidence like contracts or future income.
Some lenders may consider your application 12 months after discharge. The more time that has passed since your bankruptcy, the more mortgage options you’ll likely have.
A larger deposit can improve your chances and secure better rates. However, some lenders offer mortgages with as little as 5–10% deposit, particularly for first-time buyers with bad credit.
Yes — Many specialist lenders accept applications with defaults or CCJs, especially if they are over 6–12 months old or have been satisfied.
Pleasure to share some of our customers feedback.
After a job loss caused missed payments and a default, Mark and Sarah feared they’d never own a home. A year later, they approached us ...
Whether you're a first-time buyer with bad credit or seeking an adverse credit remortgage, our UK-based experts offer a no-obligation consultation.
Office Hours
Speak with a bad credit mortgage specialist today or request your free, no-obligation consultation now.