Bad Credit mortgages

Are you looking for a mortgage or remortgage?

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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.

Posted on Google Google
Zin Ameur profile picture
Zin Ameur
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
Posted on Google Google
Major Tom profile picture
Major Tom
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
Posted on Google Google
Alex profile picture
Alex
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none. Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward. With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get. I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio. Highly recommended!
Posted on Google Google
sunday ifenkwe profile picture
sunday ifenkwe
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
Ifenkwe Grace profile picture
Ifenkwe Grace
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Well so far the experience with you guys has been pretty great
Posted on Google Google
Hannah Vivian profile picture
Hannah Vivian
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
Posted on Google Google
Stephen Dowding profile picture
Stephen Dowding
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
G S profile picture
G S
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
DOBO and the Foodies profile picture
DOBO and the Foodies
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Caoimhe Clarke profile picture
Caoimhe Clarke
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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.
Verified by Trustindex
Trustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn 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.

Below are some of the lenders we work with

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.

Posted on Google Google
Zin Ameur profile picture
Zin Ameur
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Exceptional service from Vicki & the Oak Mortgages team, who were integral to ensuring I secured a competitive remortgage deal and took away the time burden in doing so, would highly recommend.
Posted on Google Google
Major Tom profile picture
Major Tom
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Unexpectedly had to source a small mortgage to complete a house purchase. We contacted Oak Mortgages to explain we were under prepared to start mortgage applications but they put in alot of leg work and employed the full use of their team to source the best value, conditions and terms that fit our situation. Contact was prompt and informative, with all questions answered and investigated with patience and clarity. The team were very empathetic and took on a level of customer care I didn't expect from a mortgage broker. Whether it was over the phone or by email, all information was presented and explained in the best way for us to make an informed decision on what we were buying and agreeing to. The team continue to provide that care even after mortgage offer is accepted and purchases are complete, and I look forward to speaking to them again in the future as they monitor mortgage rates and endeavour to advise what are the best options available going forward.
Posted on Google Google
Alex profile picture
Alex
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ Absolutely fantastic service from start to finish. They’re the only mortgage brokers I use, and for good reason. The level of service, professionalism and dedication is second to none. Nothing is ever too much trouble, communication is excellent, and they’re always on hand to answer questions, explain the process and find the best possible solutions, even when things aren’t straightforward. With multiple property investments, it’s important to have someone knowledgeable, reliable and proactive in your corner, and that’s exactly what you get. I wouldn’t hesitate to recommend them to anyone looking for a mortgage, remortgage or property investment finance. They’ll certainly continue to be my go-to as I grow my property portfolio. Highly recommended!
Posted on Google Google
sunday ifenkwe profile picture
sunday ifenkwe
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
Ifenkwe Grace profile picture
Ifenkwe Grace
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Well so far the experience with you guys has been pretty great
Posted on Google Google
Hannah Vivian profile picture
Hannah Vivian
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Recently had Abby as our broker, who was super friendly and made the process smooth and easy. Thank you
Posted on Google Google
Stephen Dowding profile picture
Stephen Dowding
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
G S profile picture
G S
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
DOBO and the Foodies profile picture
DOBO and the Foodies
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Caoimhe Clarke profile picture
Caoimhe Clarke
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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.
Verified by Trustindex
Trustindex verified that these reviews were published on Oak Mortgages Ltd's Google Business Profile. Learn more