No matter if you have late payments, defaults, or CCJs, our experienced bad credit mortgage advisors are on hand to help.
Specialist Bad Credit Mortgage Broker
Your credit history isn’t your whole story. Our expert bad credit mortgage brokers are here to help when you have:
Defaults | CCJs | DMPs | IVAs | Bankruptcy | Repossession | Late Payments | Missed Payments | Payday Loans
Check your eligibility in minutes with NO CREDIT CHECKS!
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Fees & costs: Why we have a fee
Specialist situations need a dedicated advocate, not just an automated search. While “fee-free” brokers focus on “perfect” applicants, we provide access to specialist lenders where our fee reflects the manual work and expertise needed to turn a “no” into a “yes.”
1. Free consultation
We review your situation and provide expert advice at our own risk. We never charge a fee just to discuss your options.
2. We prove our value first
- Success-based: Fees are only payable once you decide to move forward with an application.
- Manual advocacy: We package your case specifically for an underwriter to ensure the highest probability of success.
3. Understanding specialist rates
- Higher risk, higher rates: Adverse credit lenders charge more than the high street, but we search for the most competitive deal available to you.
- The long-term goal: Think of this as a stepping stone. Secure your home now, improve your credit, and move to a cheaper rate in the future.
You aren’t alone in this market. FCA data shows that 99% of mortgages taken out since 2014 remain up to date with payments – proving that specialist lending is a stable, well-regulated way to get on the property ladder.
How much could you borrow?
Fill out a few details to see if you are eligible for a bad credit mortgage with
NO effect on your credit score!
Your mortgage document checklist
Before we can package your case for an underwriter, we’ll need to see the “why” behind the numbers. Having these ready will speed up your application significantly:
- Proof of Identity: A valid Passport or Photo Driving License.
- Proof of Income: Your last 3 months of payslips (or 2 years of certified accounts/SA302s if you are self-employed).
- Bank Statements: Your last 3 months of personal bank statements (showing your everyday spending and income).
- Credit Report: A recent copy of your credit report (we recommend using Checkmyfile as it shows data from all major agencies).
- Proof of Deposit: Evidence of your savings or a gifted deposit letter.
- Address History: Proof of residency for the last 3 years (like utility bills or council tax statements).
Bookmark this page & come back as you collect what you need. To keep this list handy, tap the share icon on your browser and select ‘Add to Home Screen’. It will save a shortcut icon directly to your phone!
2026 Market Expertise: With 1.8 million fixed-rate mortgages expiring this year (UK Finance Forecast), we use the latest Pepper Money studies and the 2026 FCA Mortgage Roadmap to find new options for those previously locked out of the market.
Ready to start?
Deposit vs. LTV for Bad Credit Mortgages
| Deposit Amount | LTV | Lender Options |
|---|---|---|
| 5% – 10% | 95% – 90% | Limited (High Street crossover) |
| 15% – 20% | 85% – 80% | Standard Specialist Range |
| 25% + | 75% or less | Full access to almost all specialist lenders |
How we turn a "No" into a "Yes"
When you have credit issues, an automated computer search isn’t enough. You need a broker who acts as your advocate. Here is the step-by-step “inside track” process we use to secure your mortgage:
Step 1: The Deep Dive
We don’t just look at a score. We review your full multi-agency credit report to understand the timing, context, and story behind any defaults or CCJs.
Step 2: Direct Underwriter Access
Unlike high-street banks, we speak directly to underwriters at specialist lenders. We manually package your application to explain your situation to a human decision-maker, not a computer algorithm.
Step 3: Exclusive "Non-High Street" Deals
Many of the most competitive adverse credit lenders do not deal with the public. We give you the “inside track” to these exclusive rates that you won’t find on price-comparison sites.
Step 4: The Path to Refinancing
We don’t just find you a mortgage today; we plan for your future. We help you secure the home now, with a clear strategy to improve your credit and move you to a cheaper, mainstream rate as soon as possible.
Specialist Bad Credit Mortgage Guide
This guide covers everything you need to know about securing a mortgage in 2026, from understanding your credit report to finding the right specialist lender. Use these links to skip to the specific advice you need:
- How to get a bad credit mortgage
- How much will a bad credit mortgage cost?
- Can I remortgage with bad credit?
Learn more about credit issues
Mortgages with a default
Getting a mortgage with defaults on your credit record is possible. Learn how lenders consider factors like size and age of defaults. Discover what’s achievable for you with our bad credit mortgage brokers!
Mortgages with a CCJ
Getting a mortgage with a CCJ can be tough. But it’s absolutely possible to navigate! This guide and our bad credit mortgage brokers will help you understand your options and secure the best deal.
Mortgages with a DMP
Navigating a mortgage with a DMP? It’s challenging but achievable. Discover how specialist lenders assess your situation and book a free consultation with one of our bad credit mortgage brokers.
Mortgages with an IVA
An IVA can make mortgages harder, but not impossible. Specialist lenders offer options for those with past financial challenges. Learn what’s achievable for you with one of our bad credit mortgage brokers!
Mortgages after bankruptcy
Getting a mortgage after bankruptcy is possible, though challenging. Lenders weigh factors like discharge date and deposit. Learn how to navigate your options with one of our bad credit mortgage brokers!
Mortgages after repossession
Repossession doesn’t mean your homeownership dream is over. Many successfully secure new mortgages. This guide explores your options and how our bad credit mortgage brokers can help!
Mortgages with late payments
Yes, getting a mortgage with late payments is entirely possible. Lenders consider the arrears, frequency, and type of payments. Understand your true options with one of our bad credit mortgage brokers!
Mortgages with missed payments
Missed payments don’t define your mortgage journey. While challenging, securing a home loan is still very possible. Discover what’s truly achievable for your situation with one of our bad credit mortgage brokers.
Mortgages with payday loans
While payday loans raise red flags for lenders, your credit history isn’t your whole story. Securing a mortgage is still possible. Learn your true options with our specialist bad credit mortgage brokers!
How much could you borrow?
Being turned down for a mortgage due to bad credit can be disheartening. Use our mortgage calculator to see how much you could borrow, with no credit checks and book a free initial consultation today!
Mortgage advisors you can really trust
Finding the right mortgage can be overwhelming, but The Mortgage Centres team is here to help. We offer tailored solutions for first-time buyers, remortgages, and investors, guiding you every step of the way.
Let's talk
Our team will aim to get back to you within 24 hours.
0330 0945876 Standard network rate
enquiries@themortgagecentres.co.uk
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