Can You Get a Mortgage with Bad Credit? Here’s What You Need to Know

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If you’ve struggled with debt or missed payments in the past, you may be asking: Can I still get a mortgage with bad credit? The good news is, yes, it’s possible. You’re not alone, and there are lenders and brokers who specialise in helping people like you.

What Is Considered Bad Credit?

Bad credit can include:

  • Missed loan or credit card payments
  • County Court Judgments (CCJs)
  • Defaults or bankruptcy
  • Debt Management Plans

Lenders look at your credit history, but it’s only one piece of the puzzle.

How You Can Still Qualify for a Mortgage

  1. Use a Specialist Bad Credit Mortgage Broker
    Brokers life Clever Mortgages understand which lenders are more flexible with credit issues.
  2. Be Honest on Your Application
    Transparency builds trust with your broker and lender.
  3. Save for a Larger Deposit
    The bigger your deposit, the lower the risk to the lender.
  4. Work on Improving Your Credit Score
    Simple actions—like registering to vote and paying bills on time—can make a big difference.

Final Thoughts

You can move forward, even after financial setbacks. At Clever Mortgages, we’ve helped many clients secure mortgages with poor credit. Let us help you take the next step toward homeownership.

📞 Contact us today for confidential, no-judgment mortgage advice.

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

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sunday ifenkwe
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They were very very professional and always willing and ready to respond to all my queries, guided me through this process simlessly. I am happy I used their services. I will also like to give a special appreciation to Vicki Redley she was very great and an amazing individual as she guided me all through the process.
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Ifenkwe Grace
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Well so far the experience with you guys has been pretty great
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Hannah Vivian
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Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
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Stephen Dowding
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My experience of Oak Mortgages has been unfailingly amazing. Abby is WONDERFUL at her job: super-kind, expert and patient and a huge credit to the company.
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G S
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From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through. Sarah and her team were brilliant. They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage. We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care. A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
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DOBO and the Foodies
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Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
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Caoimhe Clarke
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Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
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Lisa Zuccotti
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Excellent company to deal with , very efficient and caring ensured all our needs where met . Highly recommended.
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Reece Baird
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claire.geraghty Amazing lady, helped me all the way to the finish line! Highly recommend!
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graham draper
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Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.
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