Rejection Isn't the End of Your Home Ownership Dream.
Helping hundreds of UK families secure mortgages with poor credit every month — even with CCJs, defaults, or an IVA.
Specialist Knowledge, Broker-Only Access, Zero Judgement
Expert Knowledge
We understand the nuances of the specialist market, knowing exactly which lenders accept active defaults and which require them to be satisfied before approval.
Exclusive Rates
Gain access to specialist mortgage products and broker-only deals not available on the high street or through standard comparison sites.
Judgement-Free Advice
Our advisors are here to find solutions, not critique your financial past; we focus on your current ability to pay and your future as a homeowner.
Credit-Safe Assessment
Explore your mortgage potential without fear; our initial eligibility checks leave no hard footprints on your credit report.
We Cover Every Kind of Complex Credit Situation
CCJ Mortgages
Secure a mortgage even with active or recent County Court Judgments.
Learn moreDefaults Specialist
Whether from an old phone contract or a loan, we find lenders who differentiate between minor slips and serious risk.
Learn moreMissed Payments
One or two missed payments don't have to mean an automatic 'No'.
Learn moreIVA & Bankruptcy
Specialist advice for those moving on after insolvency.
Learn moreLow Credit Score
A low credit score should not be a permanent barrier.
Learn moreSelf-Employed with Bad Credit
We help entrepreneurs present their accounts effectively.
Learn moreFrom First Enquiry to Your New Front Door
- 01
Free Assessment
Tell us your situation. No hard credit check, no impact on your file — just a clear picture of your options.
- 02
Lender Matching
We match your profile to the right specialist lenders from our panel of 600+ — including broker-only deals.
- 03
Application Support
Your advisor handles the paperwork and presents your case in the strongest possible light.
- 04
Mortgage Offer
We work toward a fair offer and stay with you through to completion — from assessment to your new front door.
Real Stories. Real Approvals.
“Three years after my IVA, I assumed I'd be renting forever. I didn't think anyone would touch my application. Not only did they find me a mortgage, but the interest rate was much lower than I expected for my situation. They gave me my future back.”
“I was devastated when my own bank of 10 years declined my mortgage because of a small default from 2021. I thought my deposit was wasted. The team at Bad Credit Mortgage didn't judge; they just found a lender who looked at the 'why' instead of the 'score.' We move in next week!”
“Being self-employed is hard enough, but with a low credit score, I felt invisible to lenders. This team knew exactly which specialist banks to approach. They handled the complex paperwork and got me an offer that actually felt fair. A total game-changer for my business and family.”
Take the First Step Toward Approval
Speak with a UK specialist who understands that you are more than just a credit score — get a free, no-obligation assessment today.
- 100% Secure & Confidential
- Response Within 24 Hours
- No Impact on Credit Score
We Also Help With These Situations
Buy-to-Let Mortgages
Specialist Buy-to-Let lenders focus on rental income, not just your credit score.
Learn moreFirst-Time Buyers
We'll help you understand exactly where you stand and what's achievable.
Learn moreRemortgaging
A change in credit history since your last mortgage need not stop you.
Learn moreAlso specialising in:After Repossession ·Payday Loan History ·Debt Management Plans ·JBSP Mortgages ·Guarantor Mortgages ·Mortgage in Principle ·Second Charge Mortgages ·Shared Ownership