Bad Credit Mortgages
Honest Help for Buying or Remortgaging
Struggling to get a mortgage because of bad credit? You’re not alone — and the good news is, there are still options available. Many people assume that past financial issues automatically mean a “no” from lenders, but that isn’t true. At Honest Mortgages, we specialise in helping people with bad credit history find the right mortgage. Whether you’re buying your first home, remortgaging, going through shared ownership, or using Right to Buy, there are lenders who consider applications even if you’ve had CCJs, defaults, missed payments, or other credit challenges. Our job is simple: to guide you through your choices, explain what’s realistic, and connect you with lenders who are open to helping people rebuild their financial future.
Reviewed by David Baaye, CeMAP Mortgage Adviser, FCA regulated. Updated September 2025.
Bad Credit Mortgages At a Glance.
A quick look at what a bad credit mortgage is, who it can help and how we work with specialist lenders to find a realistic way forward.
What Is a Bad Credit Mortgage.
Designed for people with a history of missed payments, defaults, CCJs or low credit scores. Specialist lenders look at your full financial picture, not just the score.
Can I Get a Mortgage.
Yes. We work with lenders who understand that real life happens. Whether you are in a debt plan or rebuilding after past issues, we look for a deal that suits you and explain your bad credit mortgage options in plain language.
We Can Help With.
- CCJs or defaults within the last 12 to 24 months
- Low or recovering credit scores
- Discharged bankruptcy
- Debt management plans
- Self employed applicants
How We Help.
- Free initial chat
- Soft credit checks where possible
- Whole of market comparison
- Support from first call to completion
More Than 20 Years Helping Clients With Credit Bumps.
We specialise in helping people who may not fit a perfect tick box. If you have been declined elsewhere or are worried about your credit file, we are here to listen and give straight answers. You can also read our full bad credit mortgage guide if you prefer to do some research first.
We genuinely enjoy helping clients overcome past credit problems and move into the right home.
Over 20 Years Experience.
We carefully review every application, looking beyond the headline score. Whether you have credit issues, are newly self employed or contracting, we help you secure a mortgage that fits your situation today.
For a deeper look at how lenders think, see bad credit mortgages, myths vs reality.
Get StartedOur Mission.
We help people who may have been declined by mainstream lenders. Our experience with specialist lenders means we can often help where others cannot.
We understand that poor credit is stressful, so we focus on clear communication and removing as many barriers as we can.
Circumstances We Can Help With if You Have Bad Credit.
Life happens. Here are some of the situations we regularly see and support, without judgement.
County Court Judgements.
We work with lenders who may still consider your application even if you have had CCJs in the last six years.
Defaults.
Some lenders are open to applicants with defaults on their file, including those recorded within the last six years.
Arrears and Missed Payments.
We can help even if you have had missed or late payments, including within the past 12 months.
Low or Poor Credit Scores.
We consider more than just the number on the screen, matching you with lenders that focus on the wider picture.
Debt Management Plans.
Some lenders will consider applicants who are in an active DMP, provided it has been well conducted and affordable.
IVA or Bankruptcy.
We work with lenders who can consider applications after IVA or bankruptcy once certain conditions are met.
Defaults, a Debt Management Plan and a Route Onto the Property Ladder.
A couple with two credit card defaults from 2022 and an active debt management plan wanted to buy their first home but had been declined by their bank.
We reviewed their full credit reports, checked that their DMP payments were up to date and recommended a specialist lender comfortable with recent credit issues.
The result was an agreement in principle for a shared ownership purchase with a 10 percent deposit on their share and a clear plan to improve their credit profile over the next few years.
Explore Your Bad Credit Mortgage Options
Shared Ownership with Bad Credit
Part buy, part rent. See how shared ownership can help you on to the property ladder even with past credit issues.
View shared ownership hubRemortgage with Bad Credit
Looking to fix your rate, consolidate debts or raise funds. Explore remortgage options when you have missed payments or defaults.
View remortgage hubFirst Time Buyer with Bad Credit
New to buying and worried about your credit file. Start with our first time buyer bad credit hub and see what is realistic.
View first time buyer hubMortgage Resources by Situation.
Use this hub as your starting point, it organises our main guides into simple categories so you can quickly find the ones that match your situation.
Shared Ownership View page
- Shared ownership case study and 2025 guide
- Government schemes
- Shared ownership after bankruptcy
- Shared ownership and DMPs
- Shared ownership and missed payments
- Shared ownership, full guide
- Shared ownership deposit rules
- Shared ownership approval tips
- Shared ownership lenders
- Shared ownership after an IVA
- Shared ownership and CCJs
- Shared ownership and defaults
- Shared ownership and low credit scores
- Can you get shared ownership
- Shared ownership, everything you need to know
Right to Buy View page
First Time Buyer View page
Buy to Let View page
Remortgaging View page
- Remortgaging in 2025, timing and rules
- Which lenders offer remortgages
- Remortgage approval tips
- Self employed remortgaging
- Remortgaging with defaults
- Remortgaging with a CCJ
- Remortgaging after an IVA
- How long to wait before remortgaging
- Remortgaging with a DMP
- Remortgage to consolidate debt
- Bankruptcy and remortgaging
No guides match this search. Try another keyword like CCJ, IVA, defaults or shared ownership.
Bad Credit Mortgage FAQs.
A few of the questions we are asked most often. If you cannot see your situation here, just ask and we can talk it through.
Can I get a mortgage with a CCJ.
Yes. Some specialist lenders will consider you even if you have one or more CCJs, especially if they are over 12 months old, settled or relate to smaller amounts. The more time that has passed and the stronger your current profile, the better your options.
How long after a default can I apply for a mortgage.
Some lenders will look at applications even when defaults are recent, especially if they are now satisfied. Others prefer the default to be at least 12 to 24 months old. The age, size and reason for the default all play a part in what is possible.
Will I pay more interest on a bad credit mortgage.
Often yes, rates can be higher where there is recent or severe adverse credit because the lender sees more risk. However, not every bad credit case means very high rates. We compare specialist lenders to find the most competitive option available for your situation and review things again when your credit improves.
How much deposit do I need with bad credit.
It depends on the type and severity of the credit issues. As a guide, many bad credit lenders work in the 10 to 25 percent deposit range, although there are cases where lower deposits are possible if the issues are older or more minor. A higher deposit usually gives you better rates and more lender choice.
Can I get a mortgage after bankruptcy.
Yes. Once you have been discharged and enough time has passed, several lenders may be prepared to help. Each lender has its own rules on how many years must pass after discharge and whether the bankruptcy has been fully satisfied, so tailored advice here makes a big difference.
Can I get a mortgage while in a debt management plan.
Some lenders will consider an application while a DMP is still active, particularly where the plan has been running for a while and all payments are up to date. They will look at affordability carefully, so it is important that the DMP is sustainable alongside a new mortgage.
Does applying for a mortgage hurt my credit score.
A full mortgage application usually involves a hard credit check, which can leave a small footprint on your file. We normally start with soft credit checks where possible, to review your options without impacting your score, and only move to a full application when you are ready to proceed.
How much can I borrow for a mortgage.
Most lenders start around 4 to 4.5 times your annual income, but this is adjusted up or down based on things like your credit history, commitments, dependants and the size of your deposit. With bad credit, affordability checks can be stricter, so tailored advice is important.
How long does a mortgage offer last.
Most mortgage offers are valid for around 3 to 6 months, depending on the lender. If your purchase or remortgage is delayed it may be possible to extend the offer or re apply, but this is reviewed case by case.
What should I do if my fixed rate is coming to an end.
Many lenders allow you to secure a new rate up to 6 months before your current deal ends. This can protect you if rates rise, while still giving flexibility if better deals appear. With bad credit, planning ahead is especially important so you do not fall onto a higher standard variable rate.
What is porting a mortgage.
Porting a mortgage means moving your existing mortgage deal from one property to another when you move home. Not all mortgages are portable and lenders still re assess your income, outgoings and credit file, so it is important to check your options before you commit to a move.
How soon would I get a decision.
Once we have your full information and credit reports, we can usually obtain a decision in principle very quickly with the right lender. The full application and offer stage then depends on how complex your case is and how busy the lender is at the time.
Explore Our Bad Credit Services and Tools.
If you are still exploring your options, these pages and tools can help you dig deeper into the route that suits you best.
