Bad Credit Mortgages
Whatever your credit history, you’re in the right place. Our expert advisors deal with bad credit cases every day. They’ll give you the clarity, certainty, and confidence to move forward.
Can You Get A Mortgage With Bad Credit?
Having bad credit doesn’t mean you can’t get a mortgage. While high street banks may be cautious, many specialist lenders are open to borrowers with credit issues such as CCJs, defaults, IVAs, debt management plans, or missed payments.
The right approach depends on the type and severity of your credit history, how long ago the problems occurred, and your current financial situation. Some lenders may require a higher deposit, while others are more flexible if you’ve since established a track record of stability.
At Online Mortgage Advisor, our specialists deal with bad credit cases every day. They understand lender criteria, know which providers are more accepting, and can guide you through the process with clear, practical advice.
Our advisors are here to answer your questions and guide you forward – wherever you’re at in the journey.
“A history of credit issues doesn’t mean you can’t get a mortgage. We’ll show you the lenders who are open to your situation and guide you every step of the way.”
Next Steps
Check your affordability
Use our calculator to see how much you could borrow, even if you have a history of credit issues.
Read our guides
Browse our bad credit mortgage guides to understand lender criteria, deposits, and how to strengthen your application.
Compare bad credit mortgage deals
Use our industry-first comparison tool to view lenders currently offering products for borrowers with specific credit issues.
Speak to an expert
Get matched with an advisor who specialises in bad credit mortgages and knows which lenders are most likely to accept your application.
Our advisors specialise in bad credit mortgages and know which lenders are most open to these cases. Enquire today.
Our Guides
Expert mortgage guidance tailored for bad credit borrowers.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Yes. Many lenders specialise in borrowers with credit issues. Even if you’ve been turned down elsewhere, we work with advisors who know which lenders are more flexible and how to present your application for the best chance of approval.
Some lenders may require a larger deposit, typically 15–30%, but this is not always the case. We can guide you to lenders who accept smaller deposits. Having a bigger deposit can open the door to more options, but a small deposit is never a reason not to enquire.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated mortgage expert and case manager by your side from your first question through to completion, with regular updates so you always know what is happening.
We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates.
They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We secure the best deal with help from a specialist in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
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