Get the home you want, even with bad credit

Getting a mortgage with a bad credit score or CCJs can be stressful. Let or mortgage specialists do the heavy lifting and help you get a mortgage


How it works

Even if you have adverse credit, we can help you secure an affordable mortgage. We will work with you to get the best possible interest rate and terms and be with you every step of the way.

How to get a mortgage

Book a fee free call

It takes just 30 seconds to book an appointment with an adverse credit mortgage advisor.

Chat to a mortgage broker

We’ll tell you how much you can borrow and how much mortgage you can comfortably afford.

Apply for a mortgage

Your mortgage advisor will make a personal recommendation and help with your mortgage application if you choose to proceed.

Happy mortgage people

adverse credit mortgages

For people just like you

Are you struggling to get approved for a mortgage because of your adverse credit history and worried you'll never be able to buy a home?

Renting may be your only option if you can’t get a mortgage. For some the thought of not being able to buy a home can be very stressful and you may feel like you are being punished for your past mistakes.

At GHL Direct, we can help you get approved for a mortgage, even if you have a history of missed payments, defaults, or bankruptcies. We work with lenders who specialize in adverse credit mortgages who may be able to approve you for a mortgage, even with your bad credit history.

  • Mortgages for people with poor credit.
  • We know the lenders lenders who may be able to help.

Mortgages made easy

The interest rates on adverse credit mortgages will be higher than those on conventional mortgages, but it is still possible to buy a home. Lets see if we can help.
  • Mortgage Advice from 8am – 8pm.
  • Get exclusive deals with lenders, not otherwise available.
  • Your application will be processed faster with our help
  • We’ll ensure you qualify for the mortgage loan and can afford it
  • Our mortgage brokers know the lenders likely to approve your mortgage
  • What is an adverse credit mortgage?

    An adverse credit mortgage is a mortgage that is offered to people with a history of bad credit. This could include things like missed payments, defaults, or bankruptcies. Lenders who offer adverse credit mortgages are typically more lenient with their lending criteria, but they will still require you to meet certain requirements.

  • What are the requirements for an adverse credit mortgage?

    The requirements for an adverse credit mortgage will vary from lender to lender. However, some common requirements include:

    – A minimum credit score of 600 or 620
    – A minimum down payment of 10% to 20%
    – Proof of income and employment
    – A history of making on-time payments

  • What are the interest rates on adverse credit mortgages?

    The interest rates on adverse credit mortgages are typically higher than those on conventional mortgages. This is because lenders are taking on more risk by lending to people with bad credit. However, there are still lenders who offer competitive interest rates on adverse credit mortgages.

    We work with these lenders on a daily basis so have the expert mortgage knowledge you need to secure a mortgage offer.

  • How can I improve my chances of getting a mortgage?

    There are a few things you can do to improve your chances of getting a mortgage with poor credit:

    – Get your credit report and dispute any errors.
    – Try to reduce you debt and make all your payments on time.
    – Build up your savings.
    – Get pre-approved for a mortgage before you start shopping for a home.

  • What are the mortgage advice fees?

    We always offer free and no-obligation initial meetings with our financial advisors to discuss your needs.

    Some mortgage brokers charge nothing, others charge a flat fee between £195 and £499, while others take commission from the lender. As FCA regulated mortgage advisors we must explain all of this to you at the beginning of your meeting.

  • How do I get a mortgage with poor credit?

    The first step is to get pre-approved for a mortgage. This will give you an idea of how much you can borrow and what your interest rate will be. You can get pre-approved directly through a mortgage lender or by using a mortgage broker like GHL Direct.

    Once you are pre-approved, you can start looking for a home. When you find a home that you want to buy, you will need to submit a formal mortgage application. The lender will review your application and decide whether to approve you for a mortgage.

    Once you are approved for a mortgage, we’ll guide you through to completion. This is when you will sign all of the paperwork and officially become the owner of your home.


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