Poor Credit History or a Low Credit Score? We Are Specialists and We Can Help!

Do you need a mortgage for a purchase or wish to remortgage, perhaps to pay off debts or for another purpose, but are worried that your credit history might slam the door shut? You're not alone. Bad credit mortgages are specifically designed for borrowers with a poor credit history, offering an excellent option for a new mortgage when mainstream lenders say no.

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Understanding bad credit mortgages

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Securing a mortgage with poor credit is difficult but not impossible. Bad credit mortgages (also referred to as adverse credit or sub-prime mortgages) are specifically designed solutions that do not automatically disqualify you from approval solely due to previous financial challenges.

Because lenders view you as a riskier borrower, you'll typically pay a slightly higher interest rate. For a property purchase, we can help with a deposit of only 5%, although this may need to be higher depending on your credit history. Most lenders will accept a deposit that's gifted from a family member, which can help you get on the property ladder more quickly. Just remember that the money must not be a loan, and you must be under no obligation to repay it.

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Understanding your score

How your credit affects your mortgage options

When applying for a mortgage, your credit history matters.


Most high street lenders rely heavily on your credit score. However, there are several specialist lenders that accept poor credit histories and do not depend solely on a score but instead evaluate the credit history. They consider factors such as when a missed payment occurred or when a default or CCJ was registered, for example. The good news is that specialist lenders look beyond a credit score, making this assessment very beneficial for getting a mortgage approved.

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We’re on your side

Finding the right lender

Using the right specialist mortgage broker is crucial. Most specialist lenders will only accept business from an approved broker like us; they do not deal directly with the public, as they rely on brokers to assess the fundamentals of an application. We will check for the best lending option, whether it be a high street or specialist lender, taking all factors into account. Using Click Mortgages can help you save time and ensure you achieve the best outcome quickly.

Expert help makes all the difference

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Your action plan

Four steps to bad credit mortgage success

Securing a mortgage with adverse credit necessitates a strategic approach. Here’s how you can maximise your chances of approval, even when your credit history isn't flawless.

Check your credit profile

Obtain reports from all three UK credit reference agencies (Experian, Equifax, and TransUnion), challenge any errors, and understand precisely what lenders will see before applying. Consider using Checkmyfile, whose reports include all three of these credit reference agencies.

Improve your deposit position

The larger your deposit, the better your chances. However, there are potential options available with only a 5% deposit or equity, but the more deposit or equity you have, the better!

Demonstrate financial stability

While you may have experienced credit issues, showing that you have recovered is very beneficial. This encourages lenders to agree to a deal with you, as they can see that the financial difficulties are behind you.

Seek specialist advice

Bad credit mortgage brokers have relationships with specialist lenders, understand complex credit situations, and can match you with the right mortgage product for your circumstances. Contact Click Mortgages to receive your expert personal guidance.

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TESTIMONIALS

What our clients think

Liam
Excellent
Made the whole experience of buying my first home stress free. Great communication throughout the whole process making it easy to understand what’s happening at each stage. A big thank you to Ranveer and Liz who dealt with my case.
Trusted Customer
Excellent Service - Well Recommended
I was really impressed with Click Mortgages, from the outset they were informed confident and understanding of our requirements resulting in a product that feels like an excellent fit for our needs. They were quick to respond and always kept us updated of the position, chivvying on the other parties as required when the process slowed. Thier fee was very reasonable too! Thanks Click Mortgages.
Mark
Above and beyond expectations
From start to finish they were excellent. Stuck to appointment times and understood what I wanted. Even offered to negotiate with the developer on my new house to secure me a discount. Above and beyond.
Alice
Fantastic company!
I definitely recommend one click mortgage. David and Liz are super stars! My husband got bad credit history but David helped us to find lender and we successfully got the mortgage offer! If you have same problem with your credit score please do contact them to see if there is any suggestion.
Vincent
Professional, helpful, determined, knowledgeable
I would definitely recommend them to other people, helpful in every way possible

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Don’t face the mortgage journey alone – our team of specialists is ready to guide you through every step of the process. Fill in your details below for a free, no-obligation consultation.

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Get in touch with Click Mortgages to discover how we can assist you.

Call us now on 0800 085 4401

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

YOU SHOULD ALWAYS THINK CAREFULLY, AND SEEK PROFESSIONAL ADVICE, BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME OR RELEASING EQUITY FROM YOUR HOME.