Find out how to get a mortgage with bad credit

Poor Credit Mortgages

Although harder, getting a mortgage with a bad credit is still possible. Learn more about how to compare bad credit mortgages and its pros and cons.
Whatever your credit score is we are here to help and get you a mortgage to suit your needs as appropriate

How to get a mortgage with poor credit?

If you have a poor credit history, there are a number of steps you can take to improve your chances of getting a mortgage.

  • Give it time: blemishes on your record could be seen as less serious over time, especially if your financial situation has improved.
  • Consider your partner’s credit history: buying with a partner will mean their credit history gets taken into account as well as yours.
  • Repair your credit history: establish a pattern of consistent payments and responsible credit usage.

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Regarding Credit Score

Whatever your credit score is we are here to help and get you a mortgage to suit your needs as appropriate

How much can I borrow on a poor credit mortgage?

If you’re not sure whether your credit score is high enough, you can apply for a mortgage Agreement in Principle. A lender will perform a soft credit check to understand what your score is. 

But you can do a few things to improve your credit score in the short term. To better your credit score:

  • Register to vote – Make sure you are on the electoral role
  • Look for and amend mistakes on your credit report – Even a wrong address can affect your score
  • Meet all bill payment deadlines – Don’t miss a phone, internet or energy bill
  • Check for fraud – If you’ve been the victim of fraud, your score may be lowered unfairly