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How to Get a Bad Credit Mortgage

Declined by a Lender? Low Credit Score?
Speak to the experts and find out if you can get a mortgage despite bad credit.  

Check your eligibility in 2 minutes.

30 Years Experience
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Credit issues? No issue for us.

Common credit issues affecting mortgage applications

Missed payments  Defaults  CCJs
IVAs  Poor Credit Score  Bankruptcy
DMPs  Payday loans

ATM Card
Credit File

Credit report

Getting your credit report is a crucial first step in the mortgage process.  We recommend using a 30-day free trial with checkmyfile, and as long as you cancel within this time period, there will be no cost.

Unlock specialist credit repair mortgage lenders

Specialist lenders have flexible lending criteria, which is well suited to people with credit blips or problems. Our specialist advisors know each lenders’ specific criteria and are able to navigate you to the best deal, depending on your circumstance.

Specialist Banks

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Our fully qualified FCA advisors will identify the most suitable type of mortgage for you.

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Let us compare all your options, so you receive the lowest interest rate possible. 

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"Cannot recommend this company enough. They are extremely professional and helpful. Always there to answer questions and assist you with whatever you might need. Made the strenuous process of buying a house a very smooth and even pleasant experience. 5/5 customer service, experience and team".

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The Process For Your Mortgage.

Complete our 2 minute mortgage availability check.

3 Simple Steps.





We will be in touch to seek further information about your case and discuss options available to you. 





Mortgage Offer


Experienced administrators work with you to provide the lender with all the details required to obtain a mortgage offer.

In this guide:

  • What is adverse credit?

  • Why is it hard to get a mortgage with credit issues?

  • Typical credit issue

  • Highstreet vs. specialist

  • How to get a mortgage with adverse credit

Adverse credit

Lenders will conduct a credit check on you before making a decision to lend or not. Your credit history will determine the interest rate and the deposit required. Each lender will have a different approach to how they assess an applicants credit history.


Some lenders will use their own credit scoring and others will assess your credit report:

  • A credit score is a three digit number that determines your ability to repay loans, which is based on statistical models.

  • A credit report is a full history of the loans and credit cards that are active or previously paid off, these are all listed one by one.


Why is it hard to get a mortgage with credit issues?

One of the major causes of the 2007-8 financial crisis was seen to be the extensive lending to customers with poor credit. The fallout of this has made lenders adopt stricter credit guidelines and therefore, restricting many people from accessing the mortgage market.   


Typical credit issues

Over the 25 years we have been operating, we have managed to identify key areas where mortgage applications get rejected by lenders. We have grown our expertise and found effective solutions to help our customers.

Not only will our skilled staff analyse your credit data but they will also share with you the ways to improve this in the future and at what point obtaining a mortgage will be possible. 

The types of credit issues we can help with:

  • Defaults

  • CCJ

  • Debt management plan (DMP)

  • Mortgage arrears

  • Payday loans

  • Repossessions

  • Bankruptcies

  • Individual voluntary arrangements (IVA)

  • Debt relief order

  • Unsecured missed payments

  • Low credit score

  • No credit history


​Sometimes people make mistakes or simply forget things. Some have genuine problems which are now resolved, others small blips which now haunt them credit wise. None of these affect their ability to pay now. We will look at your credit file and tell you how we can help.

Furthermore, lenders we use understand poor credit mortgages, and have specialist products or provide underwriters who can look at individual credit reports and make an informed decision. Don't spend hours on the computer locating a lender and product, for the computer to say NO. Let us do the leg work.

Highstreet lenders vs specialist lenders


The majority of mortgages are made via the Highstreet lenders, such as Barclays, Lloyds, Natwest, etc. They offer great deals and low rates, however they usually adopt a ‘one size fits all’ methodology. Therefore, any applicant with a significant credit blip will likely not fit with these lenders’ inflexible criteria. On the other hand, specialist lenders (often only accessible via mortgage brokers) can help applicants who do not fit the traditional high street approach. Our specialist advisors know each lenders’ specific criteria and are able to navigate you to the best deal, depending on your circumstance.


Despite having credit problems, you will be able to receive up to 5 times your income. Although, if you have current credit commitments (such as loans or hire purchases), these will be taken into account when assessing your affordability.

How can I get a get a mortgage with previous credit issues?


A very good first step is to sign up to one of the major credit reporting companies (such as Experian or Equifax) and request to see your credit report. Not all issues have the same effect on your mortgage application, it will often depend upon the type, amount and date of the credit issue. For instance, a £100 missed utility bill payment 2 years ago will not have the same impact as a £500 county court judgment registered 6 months ago.

We will review your credit report free of charge.

At Manor Mortgages Direct, we have the skills to analyse this information from your credit report and qualify credit history to a specific lender and product.

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