Mortgage321

Can You Get a Mortgage with Bad Credit?

Sep 12, 2025By Matthew Pigrome

MP

When it comes to buying a home, many people assume that a history of missed payments, defaults, or CCJs automatically means a mortgage is out of reach. The truth is—it doesn’t. At Mortgage321, we specialise in helping clients with adverse credit secure the right mortgage solution tailored to their circumstances.

What does “bad credit” mean?

Bad credit typically refers to a credit history that shows previous financial difficulties. This could include:

  • Missed or late payments on loans or credit cards
  • Defaults or arrears
  • County Court Judgments (CCJs)
  • Individual Voluntary Arrangements (IVAs) or bankruptcy

Every lender views these issues differently. Some high street banks may decline applications outright, while specialist lenders are more flexible, taking into account the bigger picture.

Can you still get a mortgage with bad credit?

Yes, you can. The key is finding the right lender who understands your situation. While your options may be more limited and interest rates slightly higher, a well-structured mortgage can help you get back on track and even repair your credit over time.

At Mortgage321, we work with a wide panel of specialist lenders who cater specifically for:

  • First-time buyers with past credit issues
  • Self-employed borrowers with irregular income
  • Those looking to remortgage to consolidate debts
  • Property investors with complex portfolios

How Mortgage321 can help

With over 30 years of experience, we’ve seen it all. Our role is to:

  • Review your credit history in detail and explain your options clearly
  • Match you with lenders open to your unique circumstances
  • Structure your mortgage so it’s affordable and sustainable
  • Support you in the long term, helping you move towards more competitive rates as your credit improves

Practical steps you can take today

While we guide you through the process, here are a few actions you can take now to strengthen your application:

  1. Check your credit report – Services like CheckMyFile give you a full picture across the main agencies.
  2. Register on the electoral roll – A simple step that boosts your profile with lenders.
  3. Keep up with current payments – Demonstrating recent good behaviour carries weight.
  4. Avoid new borrowing – Extra credit applications can lower your score and raise red flags.

Why choose Mortgage321?

We don’t believe in “computer says no.” We believe every client deserves a tailored solution, no matter their history. Our expertise lies in turning challenges into opportunities, ensuring you don’t just get a mortgage, but the right mortgage.

If you’ve been turned down before or are worried about your credit history, don’t give up. Speak with us today, and let’s explore the options together.

👉 Contact Mortgage321 today on 0800 612 8292 for clear, confidential advice on mortgages with bad credit, or email [email protected].

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.