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Bad Credit Mortgages – Real Solutions for Real People

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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.

What Is a Bad Credit Mortgage?

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:

  • Missed or late credit card, loan, or utility payments
  • County Court Judgements (CCJs)
  • Defaults on credit agreements
  • Debt Management Plans (DMPs)
  • Individual Voluntary Arrangements (IVAs)
  • Bankruptcy (even if recently discharged)
  • Limited or no credit history

Who Can We Help?

We’ve helped hundreds of clients in a range of challenging financial situations, including:

  • First-time buyers with bad credit and minimal deposit
  • Homeowners seeking an adverse credit remortgage to lower payments or release equity
  • Self-employed applicants with historic or ongoing credit issues
  • People recently turned down by banks or mainstream mortgage lenders

Why Is It Hard to Get a Mortgage with Bad Credit?

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

  • What Is a Bad Credit Mortgage?

  • Who Can We Help?

  • Why Is Getting a Mortgage Hard with Bad Credit?

We’re here to help

Contact us today for a fast response, expert mortgage advice, and tailored support with your
bad credit mortgage needs!

How SpecialistMortgagesPro.co.uk Helps You Secure a Mortgage with Bad Credit

We take the stress out of the process with expert advice, industry connections, and an understanding of complex cases.

  • Whole-of-Market Access

    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.

  • Flexible, Fair Lending Criteria

    We help match you to lenders who assess your case based on factors like:

    • How long ago the credit issue happened
    • Whether it’s been settled or satisfied
    • Your current employment and income stability
    • The amount of deposit or equity available

  • Expert, Non-Judgemental Advice

    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.

Corporate Partnership With

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Speak to an Advisor
+44 746 780 1485

Bad Credit Mortgages FAQs

Key questions answered about bad credit mortgages.

  • What is a bad credit mortgage?

    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.

  • Can I get a mortgage if I’ve recently become self-employed?

    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.

  • How long do I need to wait after bankruptcy to apply?

    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.

  • Will I need a big deposit if I have bad credit?

    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.

  • Can I get a mortgage with a default or CCJ on my credit file?

    Yes — Many specialist lenders accept applications with defaults or CCJs, especially if they are over 6–12 months old or have been satisfied.

Check Out Customer Feedback

Pleasure to share some of our customers feedback.

Mark & Sarah’s Story

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 ...

Let’s Find the Right Bad Credit Mortgage for You

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.

    Speak to a Bad Credit Mortgage Expert Today

    Speak with a bad credit mortgage specialist today or request your free, no-obligation consultation now.