Bad Credit Mortgages

Get in touch for a free initial chat with an adviser about how we might be able to help.

1 Step 1
reCaptcha v3

What is bad credit?

Bad Credit ratings can be the result of a number of common causes. Some examples include: such as missed payments, CCJs, and bankruptcies. Bad credit or no credit will affect your chances of having a mortgage deal accepted. It is important to check your credit score before applying for a mortgage and ensuring your finances are in order.

How do I know if I have bad credit or adverse credit?

You can check your credit record online through Credit Reference Agencies such as Experian, TransUnion or Equifax. 

If it is possible to do so, It is worth waiting for your credit to improve your score and gain access to the lower rates available. Every time that you apply for any type of credit and are rejected it will damage your credit score. You shouldn’t just keep applying for mortgages in the hope of being accepted, seek help from a mortgage expert instead.

Can I get a mortgage with bad credit?

You can still get mortgages if you have bad credit, but you may find you only have limited options and will more than likely have to approach a specialist lender. Any bad credit on your file doesn’t look good to lenders and suggests you are a high-risk borrower. Missing a credit card payment, however, poses a lower risk to a lender than missing mortgage payments. 

High street lenders such as banks and building societies are more likely to reject you if you have a bad credit report. Some can be flexible and specialist lenders will look more favorably on credit issues if they are due to illness, divorce, or other difficult circumstances.

These specialist lenders will be more understanding with their affordability checks but interest rates are likely to be higher or they may require a larger deposit for you to be approved for your credit application. For reference, the majority of borrowers with bad credit have to provide a 25% deposit to qualify and will be put onto fixed rate deals.

It can be worth waiting for your credit score to increase over time as you sort your finances out. Paying off any debts and ensuring that all of your accounts are up to date and correct will help to increase your score.

Speak To An Expert

Total Home Loans are a national mortgage broker with whole of market access. Their combined experience of over 50 years in the mortgage and financial services industry means they have an enviable reputation and one which makes them well-placed to find the most suitable mortgage solution for you.

How do I improve my credit score?

Once you have established that you have bad credit you will want to know what you can do to improve it. There are things that you can do to ensure that you are improving your score over time.

A few things you can do to ensure you are improving your score:

  • Make credit payments on time, utility bills, mobile phone bills, etc.
  • Stay within your credit limit
  • Avoid withdrawing cash from credit card accounts
  • Avoid where possible spending on credit 
  • Pay more than the minimum payment on your credit card and ensure it is on time
  • Have separate cards for personal and business spending
  • Keep track of your old accounts
  • Untie links to other people’s credit history
  • Pay any outstanding CCJ or Defaults issued against you

You need to look after your finances and avoid taking out any loans, your credit will repair itself over time. Just ensure to take care when applying for any form of credit as being rejected will leave notes on your credit file.

You can make a debt management plan with charities such as Step Change or make a plan yourself to get up to date with your finances and pay off what you owe. Poor credit history will ensure a poor credit rating and will make you seem unreliable when it comes to making mortgage repayments. 

Being honest with a lender whilst making a mortgage application is key and you need to make sure your application is clear and correct. Any small mistakes alongside bad credit will look awful to a lender and as though you aren’t reliable enough for a mortgage.

How can a Mortgage Broker help?

Mortgage Brokers can help by advising you whether it is the right time to apply for a mortgage, they will ask about your finances and current situation and what you are looking for in a mortgage. If you are a First Time Buyer with bad credit it is definitely worth exploring ways in which you can get your score up before getting a mortgage.

Mortgage brokers can help gather all the documentation you need and ensure you have a strong and clear application before approaching a lender. We are Whole of Market Mortgage Adviser and have access to products not available on the high street and exclusive deals through our Network Quilter Financial Planning Ltd.

Brokers build relationships with lenders over time and if you have a reason for your bad credit then there can be options for you. A Mortgage Broker can help you plan and budget to make sure you can afford the repayments on your mortgage too.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Kevin Franklin

May 31, 2022


Very professional company. I’m 63 Years old and was having trouble sorting any kind of mortgage but Mark from Total Home Loans saved the day. please do not hesitate to contact them first as I wasted a lot of time hunting around for others.

Well done Mark and the team, the number 1 company.

Lolita Cooksley

May 16, 2022


Very professional fast efficient service and really caring and genuine people to deal with. They have helped us with our mortgage twice and been great both times.

We wouldn’t hesitate to use them again in future.

Karin Salmons

May 16, 2022


Thanks to Total Home Loans and their patience, care and understanding, along with their skill and kindness, my partner and myself are now home owners something I never thought would happen,

Please even if you think it’s not something you can achieve give Total Home Loans a call they will work for you.

Again thank you all at Total Homes Loans.

Arfan Ramzan

May 5, 2022


Great service, I tried so many brokers but no one could help but Total Home Loans were the only ones who found me a lender. It was really hard to find someone, I went to 8 brokers all found online with there so called promising words trying to bring customers in still no good for me but Total Home Loans got the job done, excellent service, will recommend 💯💯💯 and there was no fee till all applications was complete unlike some brokers.

Steve Greenfield

May 4, 2022


Very happy with my experience with Total Home Loans. Very professional company, were always quick to reply and action whatever was needed.

Will definitely be back! I’ve already recommended them to a friend and they had the same positive experience that I had.

Why Total Home Loans?


By clicking the link, you will need to register your details with Checkmyfile and enter into a free 30-day trial period.  This will allow enough time for you to register your information and download your report.  You are free to cancel this trial period at any time during the 30-day free trial period without penalty.  Should you fail or choose not to do so, Checkmyfile will charge you a subscription fee of £14.99 per month thereafter.

To get the best from this service, please ensure you register all of your primary and/or associated addresses within the last 6 years.

Total Home Loans will receive a payment of £12 per free trial entered into via the link to Checkmyfile’s website. This is payable whether you cancel the trial period or not.

It should be noted that lenders will not be assessing the report produced from Checkmyfile and will undertake their own research and assessment.

* By clicking the link you’re departing from the regulatory website of [FIRM NAME]. Neither [FIRM NAME] nor Quilter Financial Planning are responsible for the accuracy of the information contained within their site. Details of how to unsubscribe or cancel this service, is available directly from the Checkmyfile website under their T&C’s which states “If you wish to cancel your subscription, please log in and send us a Secure Message at any time, email us, or call us on our Freephone telephone number 0800 086 9360 during normal office hours. In all cases we will provide you with a cancellation reference code in confirmation.