Home Me Mortgages
Bad Credit

Bad Credit
Mortgages Made Possible

Don't let past credit issues stop you from achieving homeownership. Our specialist bad credit mortgage experts help you secure financing when mainstream lenders say no. We understand that life happens, and we're here to help you move forward.

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Expert Bad Credit Mortgage Solutions

A bad credit mortgage is designed for individuals who have experienced credit difficulties in the past but are now in a position to take on a mortgage. Whether you've had CCJs, defaults, missed payments, or more serious issues like bankruptcy or repossession, specialist lenders understand that financial difficulties can happen to anyone.

Our bad credit mortgage service focuses on your current financial situation rather than dwelling on past problems. We work with specialist lenders who take a more flexible approach to underwriting, considering factors like your current income, stability, and ability to make mortgage payments.

With access to a wide range of specialist lenders and exclusive bad credit mortgage products, we help you find a path to homeownership that mainstream banks might not offer. Our expert advisors understand the complexities of adverse credit lending and will guide you through every step of the process.

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Understanding bad credit mortgage options

Why Choose Our Bad Credit Mortgage Service

Discover the advantages of working with specialist bad credit mortgage experts who understand your unique situation.

Specialist Expertise

Deep knowledge of adverse credit lending and relationships with specialist lenders who understand your situation.

Second Chances

We believe everyone deserves a second chance at homeownership, regardless of past financial difficulties.

Competitive Rates

Access to specialist lenders offering the most competitive bad credit mortgage rates available.

Tailored Solutions

Individual assessment of your circumstances to find the mortgage solution that best fits your needs.

Your Bad Credit Mortgage Journey

Our proven 3-step process helps you navigate the specialist lending market and secure the right mortgage despite past credit issues.

01

Credit Assessment

We review your credit history and current financial situation to understand your circumstances and identify suitable lenders.

1 hour
02

Specialist Application

We work with adverse credit specialists who understand complex cases and can offer competitive rates despite credit challenges.

3-5 days
03

Fresh Start

Complete your mortgage and start building positive credit history with regular payments while enjoying homeownership.

For life

Credit Issues We Can Help With

We have experience helping clients with various types of credit problems secure mortgage financing.

CCJs & Defaults

County Court Judgements and defaults on credit accounts. We work with lenders who understand these common credit issues.

Missed Payments

Late or missed mortgage, loan, or credit card payments. Specialist lenders focus on your current payment ability.

Debt Management

Debt management plans, IVAs, and other formal debt arrangements. We find lenders who work with managed debt situations.

Bankruptcy

Previous bankruptcy or current bankruptcy proceedings. Specialist lenders offer solutions for post-bankruptcy mortgage needs.

Repossession

Previous property repossession or current risk of repossession. We help you get back on the property ladder.

Low Credit Score

Poor credit rating from multiple minor issues or limited credit history. We find lenders who look beyond credit scores.

Frequently Asked Questions

Everything you need to know about bad credit mortgages

What is a bad credit mortgage?
A bad credit mortgage is designed for individuals with an impaired credit history who may struggle to get approval from mainstream lenders. These mortgages are available for people with CCJs, defaults, missed payments, bankruptcies, or other adverse credit issues. Specialist lenders understand that credit problems can happen to anyone and offer tailored solutions.
Can I get a mortgage with bad credit?
Yes, it's possible to get a mortgage with bad credit. While mainstream lenders may decline your application, specialist bad credit lenders focus on your current circumstances rather than just past credit issues. The key is working with an experienced broker who understands the specialist lending market and can match you with the right lender.
What types of credit issues can you help with?
We can help with various credit issues including CCJs (County Court Judgements), defaults, missed mortgage payments, debt management plans, IVAs (Individual Voluntary Arrangements), bankruptcies, repossessions, and poor credit scores. Each case is unique, and we assess your individual circumstances to find the best solution.
How much deposit do I need for a bad credit mortgage?
Bad credit mortgages typically require larger deposits than standard mortgages. Deposits usually start from 15-25%, though this can vary depending on the severity and recency of your credit issues. A larger deposit can help secure better rates and increase your chances of approval.
Are bad credit mortgage rates higher?
Yes, bad credit mortgages typically come with higher interest rates than standard mortgages to reflect the increased risk to lenders. However, rates have become more competitive in recent years, and working with a specialist broker can help you secure the best available rate for your circumstances.
How long do I need to wait after credit problems?
The waiting period depends on the type and severity of the credit issue. For minor defaults, you may be able to apply immediately. For more serious issues like bankruptcy, you may need to wait 3-6 years. However, some specialist lenders will consider applications sooner, especially if you can demonstrate improved financial stability.
What documents will I need for a bad credit mortgage application?
You'll need standard mortgage documents plus additional paperwork related to your credit issues. This includes payslips, bank statements, credit reports, evidence of any settled debts, explanations for defaults or CCJs, and proof of improved financial circumstances. Our team will guide you through exactly what's needed.
Can I remortgage with bad credit?
Yes, remortgaging with bad credit is possible, especially if your credit has improved since your original mortgage or if you have more equity in your property. This can be a way to access better rates or release equity, even with a less-than-perfect credit history.
Will applying for a bad credit mortgage affect my credit score?
Multiple mortgage applications can impact your credit score, which is why it's important to work with a specialist broker. We can assess your situation and approach the most suitable lenders first, minimizing unnecessary credit searches and protecting your credit rating.
How can Home Me Mortgages help with my bad credit mortgage?
We specialize in bad credit mortgages and have relationships with specialist lenders who understand adverse credit situations. We provide expert advice, handle the complex application process, present your case in the best light, and work to secure the most competitive rates available for your circumstances.
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