Bad credit mortgages

Bad credit mortgages

Having a bad credit rating doesn't mean you can't get a mortgage.

At Think Money, we specialise in finding mortgages for everyone, regardless of financial history. We work with a wide range of lenders, so there's an excellent chance we can find the perfect mortgage for you, whatever your circumstances.

Why would I need a bad credit mortgage?

If your credit history isn't as good as it could be, many mortgage providers won't give you a mortgage. Being refused isn't just depressing – multiple refusals in a short space of time can look bad on your credit file, making it even harder to find the mortgage you're looking for.

It's another good reason to talk to Think Money. Different mortgage providers have different ideas of what's important, and we've worked with a wide range of them for a long time. We'll know who's the most likely to say 'yes' to someone in your situation, giving you the mortgage you need.

Remember: Making regular payments to a mortgage is a good way to improve your credit rating.

The overall cost for comparison is 5.4% APR (typical).
66% of our customers get this rate or lower.

Top of page

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Loans subject to status and where mortgages are involved, subject also to type and value of property. For mortgages, an admin fee of £395, or where any additional cash raise exceeds £20,000, 5% of the additional cash raise, is payable on completion (maximum fee £1495). For secured loans a 10% broker fee is payable on completion. [The actual rate available will depend upon your circumstances. Ask for a personalised illustration.] DEBT CONSOLIDATION MAY INCREASE THE AMOUNT TO BE REPAID IN THE LONG TERM. Calls may be recorded.