Low Credit Score Mortgages
We have assisted over 10,000 customers with poor credit. We excel at it! Request FREE advice and prices with no strings attached. No initial credit check.
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We're Bad Credit Mortgage specialists with access to the whole of the market!
Have you filed for bankruptcy, entered into a debt management plan, received a CCJ, or gone into default in the past 6 years? You shouldn’t be concerned. We have extensive experience in the mortgage sector and often collaborate with bad credit mortgage lenders who focus on helping borrowers like you.
Can you get a mortgage with a low credit rating?
Your prospects of securing a mortgage might be significantly impacted by having a bad credit score or perhaps none at all. Being young, not having registered to vote, having a lot of credit agreements, and many other factors might result in a poor or no credit rating.
We’ve helped a lot of clients who had bad credit or no credit receive a mortgage so they could purchase their first house or move into a bigger place. Our strategy is to treat you as a person rather than just a series of requirements that lenders might reject.
We provide straightforward guidance without using jargon, and we won’t mislead you or promise things we can’t deliver.
How can I improve my Credit Score?
The greatest first step to raising your credit score is to regulate the fundamentals, or the simple housekeeping aspects of your finances. This will provide you a strong basis on which to create your credit rating plan and is worth looking into every year or two to make sure everything is in line.
- Become a registered voter
This can have a significant impact on your mortgage application since lenders want to be certain they are financing to the right people. Being on the electoral roll is a helpful anti-fraud strategy and goes a long way toward confirming your identification.
- Obtain a copy of your credit history
Your credit history is stored by Experian, TransUnion, and Equifax, the three major credit reference companies in the UK. You should request copies of your credit report from each one as they are all independent and could each include somewhat different information.
The fact that you examine your credit history does not influence your credit records and is not treated the same way as when a lender does so for assessment purposes. You are free to verify your own files whenever you choose.
- Fix any mistakes on your credit report
Make sure that the data on balances, accounts, dates, etc. is accurate and current by carefully reading the reports. If not, immediately contact them and request that the records be changed to reflect the proper information. This might take a few weeks, so you should wait a while before asking for new copies to ensure that your records have been updated.
It’s critical that lenders make their judgments with the accurate facts about you since it might be the difference between a “yes” and a “no.”
What Is a Low Credit Score?
There is a distinction between having a low credit score and having a terrible credit score. Simply put, it indicates that you do not have a significant amount of credit built up on your credit file. If you have never had a credit card or loan, have a pay-as-you-go phone, or pay for your utilities using cash or prepaid cards, it’s possible that you haven’t built up enough of a credit score for lenders to obtain an accurate picture of how you handle debt repayment.
If you’ve never been enthusiastic about having credit, this might work against you when it comes to qualifying for a mortgage. A strong credit score is frequently built up by using credit responsibly.
4 Reasons why to use us?
We believe that everyone deserves the opportunity to own their own property and recover from an adverse credit history. We put you in touch with a specialist mortgage advisor who has access to the whole of the UK mortgage market and will help you secure the best bad credit mortgage deals for you in your current circumstances.
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Our approach - and how we do it
Get in touch!
We love speaking with our clients. Give us a call, fill in one of our contact form or chat with us on 0330 043 1143 right away!
We’ll introduce you for free
We’ll put you in touch with one of our qualified mortgage advisors who will discuss your options and answer your questions.
... and relax!
With the expert advice you’ll be able to find the best mortgage deal for your particular circumstances.
See what others think ...
Steven Brunning
Aidan and Kayleigh were absolutely brilliant. They were very pro-active throughout and gave us confidence that they were identifying the most appropriate products on the market for our needs! We felt very reassured and are grateful for them helping the transaction to run as smoothly as possible.
Zara Akhtar
From the very start Michael, who I initially spoke with was the extremely helpful and professional. I was struggling to find a lender due to my personal circumstances. Michael was very open and honest with me and actually managed to find a lender who would consider my circumstances. This is something other brokers were unable to do!
I started my mortgage journey thinking I could never get a mortgage, well if I did I would be a long time due to a few mistakes I made back when I was a student. I got speaking to Luke Grosse. After months of searching things couldn’t of gone smoother on his end, he got me a mortgage offer. Easy to talk to, straight forward, explained everything in detail while being patient. Couldn’t recommend this company and Luke in particular any higher as my experience with them was fantastic. Finally completed on my purchase today and now I am a home owner with my fiancé.
This being our first property purchase, we were very unfamiliar with the how things worked. With the support and help by these two fine ladies, we were able to steer in the right direction. We had constant communication throughout the process and communication was key in these purchase too. I definitely speak highly and recommend others the mortgage advisor as they were always willing to help and support us in any way possible.
Let us find your perfect mortgage.
We have access to a variety of specialised lenders that are willing to take into account anyone who has previously participated in an IVA. In order for you to determine if you want to move forward with looking for a mortgage arrangement, we are delighted to provide you with some initial free advise to get a sense of your existing situation.
Speak to one of our specialists
This is relevant to everyone with poor credit, but it’s crucial if you’ve already been denied a mortgage. Contact a mortgage broker who specialises in negative credit mortgages before you apply again and receive another rejection, which will further harm your credit report. They will be able to assess your situation and advise you on which lenders to contact and which to entirely avoid.
Additionally, they will be able to discuss your application with loan representatives and negotiate the best terms and pricing because they will have ties with them.
It’s also important to keep in mind that most specialty lenders would demand an introduction from a trustworthy broker if you need to utilise one.
The brokers in our network have years of expertise assisting borrowers with credit defaults in obtaining mortgages. Contact us and we’ll put you in touch with one of our professionals right away.
Meet our experts
Michael Buckley
Director / Mortgage & Protection Advisor
Aidan Comerford
Sales Manager
Luke Grosse
Mortgage & Protection Advisor
Chris Kenny
Mortgage & Protection Advisor