FCA Regulated · UK Whole of Market Advisers
Adverse Credit Mortgages
Get the Right Mortgage, Even with Credit Challenges
If you have a poor credit history, missed payments, or past financial difficulties, you might assume that securing a mortgage is impossible. Many high street lenders automatically decline applications based on credit scores, making it challenging for people with CCJs, defaults, late payments, IVAs, or bankruptcy to get approved.
Adverse Credit Mortgages and Advice
Types of Adverse Credit Mortgages we can help with
Whether you are a first-time buyer, remortgaging, investing in buy-to-let, or self-employed, our independent mortgage advisers provide expert guidance to help you secure the best deal available.
Unlike high-street banks, we are not tied to any lender, meaning we can search the whole market to find the right mortgage for your individual circumstances.
First-Time Buyer Mortgages with Bad Credit
If you’re a first-time buyer with bad credit, there are specialist lenders who can help. Some lenders only require one year of clean credit history, while others will consider applicants with active CCJs or defaults.
Remortgaging with Bad Credit
If you already own a home but struggle with high repayments or need to consolidate debts, remortgaging to a bad credit lender may help reduce your monthly payments or access extra funds.
Buy-to-Let Mortgages for Bad Credit Borrowers
If you’re an investor or landlord with credit issues, specialist lenders offer buy-to-let mortgages that consider rental income rather than just personal credit history.
Self-Employed Mortgages with Bad Credit
Being self-employed with bad credit can make mortgage approval more challenging. However, lenders who specialise in self-employed applicants can offer flexible options based on business accounts, SA302s, or contract income.
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Increase your chance
How to Improve Your Mortgage Chances with Adverse Credit
If you have bad credit, securing a mortgage requires careful planning. Here are some key steps to improve your chances:
1
Check Your Credit Report
Before applying, review your credit history with Equifax, Experian, or TransUnion. Identifying errors or incorrect entries could help improve your score.
2
Save for a Larger Deposit
Most bad credit lenders require at least a 10–15% deposit, though the larger your deposit, the better the mortgage rates you can access.
3
Demonstrate Financial Stability
Lenders prefer applicants with stable income, regular savings, and minimal outstanding debt. If you can show strong affordability, lenders may overlook past credit issues.
4
Consider a Specialist Lender
Many high street banks automatically reject bad credit applications, but specialist lenders take a more flexible approach. Working with an independent mortgage broker gives you access to lenders who consider individual circumstances rather than just a credit score.
5
Provide a Strong Application
Supporting documents such as bank statements, proof of income, and a detailed explanation of past credit issues can help strengthen your mortgage application.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Get in touch
Start your free consultation
There's no obligation and no cost to your initial consultation. Simply fill in the form and one of our advisers will be in touch, usually within one working day.
Why Choose Mather & Murray Financial for Mortgage Advice?
Independent Advice
We work for you, not the banks, ensuring unbiased recommendations.
Whole-of-Market Access
We search a wide range of lenders, including specialist mortgage providers.
Expert Guidance
Every client is different, so we tailor our advice to your unique circumstances.
Personalised Solutions
We work for you, not the banks, ensuring unbiased recommendations.
Independent Advice
We manage everything for you, saving you time and hassle.
Can You Get a Mortgage with Bad Credit? Yes, You Can!
If you have a poor credit history, missed payments, or past financial difficulties, you might assume that securing a mortgage is impossible. Many high street lenders automatically decline applications based on credit scores, making it challenging for people with CCJs, defaults, late payments, IVAs, or bankruptcy to get approved.
At Mather & Murray Financial, we specialise in helping clients with adverse credit find mortgage solutions tailored to their situation. Whether you've had a missed credit card payment or a more serious financial setback, we work with lenders who assess applications on a case-by-case basis rather than just relying on credit scores.
We believe everyone deserves a second chance—and the right mortgage to rebuild their financial future.
