We'll help you

Get a Mortgage with a Bad Credit Score

We'll help you put a past of missed payments, debt-management plans or bankruptcy behind you, and help to find you a suitable mortgage for your future.

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

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Poor Credit Mortgage Broker

We’re not limited to a handful of lenders. We have access to the specialist lenders in the market as well as specialist, niche lenders. We’ll search over 90 lenders to find you the right mortgage product tailored to you and your needs.

How we help applicants with Bad Credit Ratings

We’re all human and we understand that sometimes mistakes happen.

When you have a poor credit history, owning your own home can feel out of reach but that isn’t always the case.

Bad credit mortgages are available for borrowers with adverse credit or a low credit score. These mortgages are usually arranged through specialist lenders, as traditional high street lenders aren’t usually set up to accept applications from clients with a poor credit history.

CCJ's

Missed or late payments

Defaults

Low Credit Score

IVA

Bankruptcy

Repossession

Debt Management Plans

Mortgage elegibility with bad credit

Bad credit mortgage eligibility vary slightly when compared to your more traditional ‘high street’ mortgage. There are 3 main things involved in mortgage assessments.

The type of bad credit – what is actually causing the ‘bad credit’?
    The date the default/CCJ/missed payments were registered on your credit file – when did the bad credit happen? The older the bad credit, the greater the chances.
The reason the bad credit happened – lenders will want to know the reasons behind the bad credit. An unexpected life event is easier for a lender to overlook than financial naivety.

3 Simple Steps

Enquire

Arrange a free 30 minute consultation to discuss your current situation and come up with a plan to get you mortgage ready.

Apply

We will issue you with a decision in principle and when ready, submit your application, taking care of all of the paperwork – saving your precious time.

Complete

Once the mortgage has been submitted, our team will manage the whole process ensuring the solicitors, estate agents and lenders are all working together.

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Poor Credit FAQ's

Take a look at some of our most frequently asked questions about bad credit.

What deposit will I need?

This depends on your individual circumstances – once we have spoken to you to gather some information, we will be able to tell you what deposit will be needed. Contact us

How do I check my credit?

We recommend checking your credit using a CheckMyFile* credit report as it checks data from 3 Credit Reference Agencies, not just 1. Try it FREE for 30 days, then £14.99 a month - cancel online anytime. Get started by clicking the button below.

Get Credit Check >

Can I get a mortgage with a default?

Yes you can – there are lenders out there who accept bad credit. Your mortgage broker will be able to find you a great deal for your circumstances and tell you what deposit you would need.

How can I improve my credit rating?

There are a few things you can do such as;

Set up direct debits for every bill – don’t rely on yourself to remember.
Pay off as much credit as you can – lenders like to see that you’re not near your maximum spending limits on credit accounts.
Register on the electoral roll – keep your address up to date.

How long will it take to get a mortgage?

This really depends on how quickly you can gather the information asked by the lender. As long as you are able to provide all necessary proof and information, you should expect the mortgage application process to take anywhere up to 6 weeks. It is usually quicker for a straight forward application to be offered and can take a little longer if anything more complicated is involved.

About RJ Mortgages

RJ Mortgages compare thousands of products available on the market, making sure you are getting the very best for your individual needs. We provide advice in a way that is clear and easy to understand, leaving you feeling educated and inspired.

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Rachel was brilliant from start to finish. I wasn’t too hopeful she could help us as we are older with a history of adverse credit. We had been stuck in a horrible high interest mortgage. She did help us we are so happy and it has saved us so much money each month. It’s all quite techy now too submitting stuff on line and Rachel was always there to help us with that too.

Steph

2022-07-11

Me and my girlfriend have recently bought our first house and I have to say I don't think we could have done it without the help of Rachel! She was literally there for us every step of the way and helped guide us through the whole process of getting the best mortgage for us! Whenever something came up that we wasn't too sure about, all we had to do was ask and she'd explain and take care of everything in a nice and simple way. I would definitely recommend her and her services and wouldn't hesitate to use her again!

Matt Moore

2022-11-07

Highly recommend Rachel, she worked all hours to make sure I got the best rate on mortgage in these really rough times, her communication was brilliant, she explained eveything to me and updated me on eveything as she done it. Will defiantly be using Rachel for all future mortgage work. Thank you so much and for making it so easy!

Jade Robertson

2022-10-20

Really impressed with the service Rachel provided us during our re-mortgage. Nothing was too much trouble. We asked a lot of questions during the application and Rachel answered all of them quickly and professionally. We've now got a great new rate and are so happy! Best of all was the communication and keeping us updated on progress - something which was important to us. A great experience all round. Thank you very much Rachel, we'll definitely be recommending your services to our friends and family

Richard Williams

2022-07-20

Rachel has been so amazing through the process of my move. Not only did she get us a good rate she kept us informed all the way through. Rachel went above and beyond being a mortgage advisor and helped be massively when it looked like the sale wasn't going to happen. So grateful to her!

Adam Dowsett

2022-11-09

I cannot recommend Rachel enough. I understood nothing about mortgages and the whole experience seemed very overwhelming but Rachel made the whole process seamless. She is incredibly knowledgable, friendly and kept us both updated throughout the whole process. Nothing was too much trouble for her and she was constantly on hand to answer my 10,000 questions. She was very quick at getting back to us and handled every detail for us. Highly recommend! We will be using Rachel again in the future. 11/10

Sarah Thorburn

2022-09-06

Rachel has been brilliant from start to finish, in our quest for additional borrowing and product transfer on our mortgage. Having tried to get the same outcome with our existing lender and other brokers to no avail, Rachel came up trumps. Communication was excellent, it didn't matter what time of day, which allowed for flexibility outside work hours. The whole process was seamless and took weeks rather than months to complete. Very happy customers!

Katie Taylor

2022-12-01