Bad Credit Mortgages UK — We Can Help

Yes — and it's more common than you might think. Thousands of people across the UK successfully get mortgages every year despite having credit issues in their past. The key is knowing which lenders to approach and how to present your application in the strongest possible way.

At Kris @ CMME, we specialise in helping people with imperfect credit histories find mortgage deals. Whether you've had a missed payment, a CCJ, a default, or even more serious issues like an IVA or bankruptcy, we have access to lenders who will consider your application.

Every lender has different criteria, and what one lender rejects, another may accept. That's why working with a whole-of-market broker like us is so important — we know exactly which lenders are most likely to say yes to your specific situation.

We regularly help clients with a wide range of credit problems, including:

Missed or late payments — Even recent missed payments don't necessarily mean you can't get a mortgage. Some lenders are more flexible than others, particularly if you can show the issue was a one-off.

County Court Judgements (CCJs) — Many specialist lenders will consider applicants with CCJs, especially if they've been satisfied (paid off). The amount, how recent they are, and whether they're satisfied all matter.

Defaults — Similar to CCJs, defaults don't automatically disqualify you. Lenders look at the age and size of the default, and whether it's been settled.

Debt Management Plans (DMPs) — Some lenders will consider applicants currently in or recently discharged from a DMP, particularly if you have a good track record of payments.

IVAs and Bankruptcy — These are more challenging, but not impossible. Typically, lenders want to see at least 1-3 years since discharge, with a clean credit record since then.

While we can help you find lenders who specialise in bad credit, there are steps you can take to strengthen your application:

Check your credit report — Make sure there are no errors. You'd be surprised how often incorrect information appears on credit files. Use services like Experian, Equifax, or TransUnion to check.

Register on the electoral roll — This is one of the simplest things you can do to improve your credit score. Lenders use it to verify your identity and address.

Save a larger deposit — A bigger deposit reduces the lender's risk, which can open up more options. Even going from 5% to 10% can make a significant difference.

Be honest about your history — When we submit your application, we'll present your credit history in the best possible light. But it's important to be upfront about any issues so we can match you with the right lender from the start.

It's important to be realistic — mortgage rates for applicants with credit issues are typically higher than standard rates. This is because lenders view these applications as higher risk.

However, the difference isn't always as large as you might expect. Depending on the severity and age of your credit issues, you may find rates that are only slightly above the mainstream market. And as you build a track record of reliable mortgage payments, you can often remortgage onto a better deal after 2-3 years.

Our advisers will always be transparent about the rates available to you, and we'll help you understand the total cost of your mortgage so you can make an informed decision.