adverse credit mortgages

Looking For A Mortgage With Bad Credit?

You're in the right place. Whether you have CCJs, defaults or a less-than-perfect credit history, our expert advisers can help you explore your mortgage options and find a suitable deal.​

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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Bad Credit Mortgage Advice From Expert Brokers

If you have a CCJ, default, missed payments or a low credit score, our specialist mortgage advisers can help you find the right mortgage for your circumstances.

  • Bad credit mortgages
  • Mortgage with CCJs
  • Mortgage with defaults

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Skip the endless research and paperwork. We compare rates, prepare your application, and manage the process from start to finish

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Access better mortgage rates and lower fees, saving you hundreds on your monthly payments and thousands over your mortgage term.

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As experienced mortgage brokers, we can access thousands of mortgage deals — including exclusive offers you won’t find direct with lenders.

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What we can help with

We find mortgages regardless of your unique circumstance.

  • Mortgages With CCJs
  • Mortgages With Defaults
  • Mortgages After Missed Payments
  • Mortgages With A Low Credit Score
  • Remortgaging With Bad Credit
  • New build mortgages
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What ghldirect does

Bad credit mortgage advice from expert brokers

  • Access To lenders who consider bad credit applications
  • Expert guidance on your mortgage options
  • We compare 1000s of mortgage deals on your behalf
  • Help with your application and supporting documents
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  • Appointments 7 days a week from 8am - 8pm
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Adverse Credit FAQs

Yes, having bad credit doesn't automatically mean you'll be declined for a mortgage. Many lenders consider applicants with CCJs, defaults, missed payments or a low credit score, although the options available may vary depending on your circumstances.

It may still be possible to get a mortgage if you have a CCJ. Lenders will usually consider factors such as the value of the CCJ, whether it has been satisfied, and how long ago it was registered.

This is because lenders view IVAs as a sign of financial difficulty which therefore makes you a higher risk borrower.

As a specialist mortgage adviser we work with many lenders and will be able to advise on the right solution for your circumstances.

Yes, some lenders are willing to consider applicants with defaults. The number of defaults, the amounts involved and how recently they occurred can all affect the mortgage options available to you.

The deposit required depends on your individual circumstances and credit history. In general, a larger deposit can improve your chances of approval and may help you access more competitive mortgage rates.

It can. Some lenders may charge a higher interest rate to reflect the additional risk. However, rates and lender criteria vary significantly, which is why comparing options is important.
A specialist mortgage broker can assess your circumstances, identify lenders that are more likely to consider your application, and guide you through the process from application to completion.

Get A Mortgage

Having a CCJ, default or low credit score doesn't necessarily mean you can't get a mortgage, speak to an adviser today.

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