Bad Credit mortgages

Are you looking for a mortgage or remortgage?

ADVERSE BROKER WINNER

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.

      EXCELLENT  
   Based on 82 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
      Posted on Google  
   
   Lisa Zuccotti 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent company to deal with , very efficient and caring ensured all our needs where met . Highly recommended.
  
 
      Posted on Google  
   
   Reece Baird 
 
 
 
 Trustindex verifies that the original source of the review is Google. claire.geraghty Amazing lady, helped me all the way to the finish line! Highly recommend!
  
 
      Posted on Google  
   
   graham draper 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.
  
 
      Posted on Google  
   
   Ant 
 
 
 
 Trustindex verifies that the original source of the review is Google. Alex at Oak Mortgages has been an absolute life-saver. After being let down by a previous mortgage advisor who wanted me to take a massive risk with no guarantees, I contacted Oak Mortgages and was put in touch with Alex. Not only did he find me a mortgage with the exact same lender without having to take that risk, but he also got me accepted! His knowledge is top-notch, his communication is brilliant—he always picked up the phone and replied to emails super fast with regular updates. As a first-time buyer, Alex was hands-down the best part of the entire buying process. I am now happily settled in my new home, and I have Alex to thank for it. I will 100% be using Oak Mortgages again in the future (and hopefully Alex!). Thank you so much!
  
 
      Posted on Google  
   
   Alannah McNaughton 
 
 
 
 Trustindex verifies that the original source of the review is Google. Abby Malcolm was fantastic. Work quickly to find me a great rate and explained everything I needed to know. Highly recommend her :)
  
 
      Posted on Google  
   
   DanielaDany Zavaliche 
 
 
 
 Trustindex verifies that the original source of the review is Google. They are a very good and friendly team. I am very proud of them. Well done!
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Need a mortgage but have bad credit? We could help.

Even After A CCJ, Default, Missed Payment, declined a mortgage, DMP, IVA Or Bankruptcy.

Finding a mortgage when you have bad credit can feel impossible but it doesn’t have to be. Whether you’ve been declined for a mortgage, had a Debt Management Plan (DMP), IVA, or even bankruptcy, there are still lenders who may say yes.

At Clever Mortgages, we specialise in helping people with poor credit histories secure mortgages, whether you’re buying your first home, remortgaging, or looking to consolidate debts. Our expert advisers understand the challenges of bad credit and work with a wide range of specialist lenders who look beyond your credit score.

We’ll review your situation, explain your options clearly, and help you find a mortgage deal that suits your needs even if you thought it wasn’t possible.

✅ Mortgages available after:

CCJs (County Court Judgments)

Defaults

Late or missed payments

Declined mortgage applications

IVAs and DMPs

Bankruptcy or discharged bankruptcy

💬 Talk to our bad credit mortgage specialists today — and take the first step toward owning your home or getting a better mortgage deal.

We’ve helped 1000s of customers with bad credit to achieve cheaper mortgage payments

Click below to get a callback from one of our bad credit mortgage specialists

Bad Credit Mortgage

Bad credit mortgages – also known as sub-prime mortgages or adverse credit mortgages – are specifically for people who have a bad credit rating.

Remortgage with bad credit

Bad credit can be seen as a barrier when trying to remortgage. Clever Mortgages don’t see it this way and specialise in helping those with bad credit secure a mortgage or remortgaging.

Low credit score

There are several reasons why you may have a low or no credit score. There are still mortgage options available.

Mortgage with an IVA

It is still possible to take out a mortgage if you’ve been in an Individual Voluntary Arrangement (IVA).

Mortgage in a DMP

Even if you’ve had, or are currently in, a Debt Management Plan (DMP), there are plenty of mortgage options available.

Mortgage with CCJ

If you have a registered or settled County Court Judgement (CCJ), there are still mortgages available.

Adverse Credit Mortgage

If you’ve missed or been late with credit payments, there are still plenty of mortgage options available.

Mortgage after Bankruptcy

If you’ve been declared bankrupt, we can start looking at mortgage options available once you’ve been discharged.

Declined a Mortgage

Having a mortgage declined can be tough, but all is not lost, just because one lender says no, another may say yes.

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.

      EXCELLENT  
   Based on 82 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   G S 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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 ⭐️⭐️⭐️⭐️⭐️
  
 
      Posted on Google  
   
   DOBO and the Foodies 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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
  
 
      Posted on Google  
   
   Caoimhe Clarke 
 
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
      Posted on Google  
   
   Lisa Zuccotti 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent company to deal with , very efficient and caring ensured all our needs where met . Highly recommended.
  
 
      Posted on Google  
   
   Reece Baird 
 
 
 
 Trustindex verifies that the original source of the review is Google. claire.geraghty Amazing lady, helped me all the way to the finish line! Highly recommend!
  
 
      Posted on Google  
   
   graham draper 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.
  
 
      Posted on Google  
   
   Ant 
 
 
 
 Trustindex verifies that the original source of the review is Google. Alex at Oak Mortgages has been an absolute life-saver. After being let down by a previous mortgage advisor who wanted me to take a massive risk with no guarantees, I contacted Oak Mortgages and was put in touch with Alex. Not only did he find me a mortgage with the exact same lender without having to take that risk, but he also got me accepted! His knowledge is top-notch, his communication is brilliant—he always picked up the phone and replied to emails super fast with regular updates. As a first-time buyer, Alex was hands-down the best part of the entire buying process. I am now happily settled in my new home, and I have Alex to thank for it. I will 100% be using Oak Mortgages again in the future (and hopefully Alex!). Thank you so much!
  
 
      Posted on Google  
   
   Alannah McNaughton 
 
 
 
 Trustindex verifies that the original source of the review is Google. Abby Malcolm was fantastic. Work quickly to find me a great rate and explained everything I needed to know. Highly recommend her :)
  
 
      Posted on Google  
   
   DanielaDany Zavaliche 
 
 
 
 Trustindex verifies that the original source of the review is Google. They are a very good and friendly team. I am very proud of them. Well done!
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

0330 232 0285

0330 232 0285

0330 232 0285

Bad Credit mortgages

Are you looking for a mortgage or remortgage?

Clever Mortgages is now part of Oak Mortgages Limited.

Need a mortgage but have bad credit? We could help.

We’ve helped 1000s of customers with bad credit to achieve cheaper mortgage payments

Bad Credit Mortgage

Remortgage with bad credit

Low credit score

Mortgage with an IVA

Mortgage in a DMP

Mortgage with CCJ

Adverse Credit Mortgage

Mortgage after Bankruptcy

Declined a Mortgage

Below are some of the lenders we work with

Clever Mortgages is now part of Oak Mortgages Limited.

Reviews • Excellent