Bad credit? We can help you get a mortgageBad credit mortgages for people the banks turned down
CCJs, defaults, missed payments, IVAs or bankruptcy? We find specialist lenders who say yes.Defaults, CCJs, missed payments, IVAs or bankruptcy? We're specialist bad credit mortgage brokers — and we know which lenders say yes.
- Defaults, CCJs, missed payments, IVAsDefaults, CCJs, missed payments, IVAs and bankruptcies considered
- Access to specialist bad credit lenders you can't approach directlyAccess to specialist bad credit lenders you can't approach directly
- Self-employed & unusual income welcomeSelf-employed and unusual income types welcome
- Free, no-obligation chat — no credit check to get startedFree, no-obligation chat — no credit check to get started
Get in Touch
Bad credit enquiry — no credit footprint
Some of the bad credit lenders we work with
These are just a few of the specialist lenders on our panel — we work with many more.
Here's what our clients say
“Clare went above and beyond to secure us the best deal for our complex situation. Penny and Miranda were also brilliant at keeping us updated. Thank you all!”
“These guys at My Mortgage Specialists are just awesome! Thank you to Mike and Miranda for their professional advice in getting us our dream home. Can't recommend them enough!”
“Luke, Penny and Miranda could not have done more for us while securing our mortgage. They were happy to answer all our questions and supported us as first-time buyers. Highly recommend!”
“Clare Hanson – my financial advisor. She is absolutely brilliant. I cannot describe how good she is at what she does. You tell her what you need and she delivers. Honest, professional, and always looking out for me.”
“Highly recommend using My Mortgage Specialist. Clare has helped my partner and me buy our first home together and we couldn't be happier. We felt supported through every step of the way!”
“Luke and Miranda were incredibly helpful throughout my remortgage. They found great deals even after I transitioned from the military to self-employment. 10 out of 10 for customer service!”
Specialist bad credit mortgage advisers
A poor credit file doesn't mean the door is closed. High street banks use rigid automated scoring, but specialist lenders assess your story — how old the adverse credit is, why it happened and what's changed since. We place cases every week for clients with defaults, CCJs, arrears, debt management plans, IVAs and discharged bankruptcies.
Credit issues we deal with every day
Defaults & CCJs
Many lenders ignore satisfied defaults and CCJs after a certain point. We know exactly which ones and when.
Talk to an adviserMissed Payments
Late payments on credit cards, loans or a previous mortgage don't have to stop you buying or remortgaging.
Talk to an adviserIVAs & Bankruptcy
Discharged bankruptcies and completed IVAs are placed with lenders every week. We handle the whole case for you.
Talk to an adviserDeclined Elsewhere
Turned down by your bank or a comparison site? A decline isn't the end — it usually means the wrong lender.
Talk to an adviserEnquire about a bad credit mortgage
Send us your details and a quick note about your credit situation. A specialist adviser will come back to you with the lenders most likely to say yes.
- Soft process — your credit score is untouched
- A real adviser, not a call centre
- Your data is never sold to third parties