Mortgages are available to people who have a bad credit rating, but you will need a deposit of at least 25%. If your bad credit history is regarded as light or moderate, you may be able to get the mortgage you require.

Having a less than squeaky clean credit history does seriously set back your chances of buying your first house or moving to your next property. It’s estimated that one in four people, or five million households, would be refused a conventional, high street mortgage because they’re suffering from a low credit score.

There are many reasons why you could become blacklisted and classified as a non standard borrower. Late payments on credit cards, mortgage arrears, disputes over invoices and oversights with household bills and other events such as redundancy and divorce can lead to a low credit score. When looking for a mortgage, a poor credit score can be a major obstacle.

Fortunately there are a small number of specialist lenders sympathetic to non standard borrowers (sometimes known as sub prime or credit impaired borrowers). 

Finding The Best Deal
If you complete the no obligation enquiry form on this website, an expert mortgage advisor who has access to all the adverse credit or sub prime mortgage lenders in the UK, will contact you with the best bad credit mortgage deals currently available.