0800 197 0504

0800 197 0504

Did you know, you can still take out a mortgage even if you’ve got a low credit score or no credit score

There are several reasons why you may have a low or no credit score, (for example if you haven’t had any credit commitments in the past), as this means there’s no evidence of you keeping up-to-date with payments. We work with numerous lenders that don’t credit score, so there are still mortgage options available.

  • Applications based on the person not a score
  • 95% mortgages available to purchase a property
  • 90% remortgage available

No obligation advice on low credit score mortgages

Getting a mortgage with a low credit score

When looking for a mortgage, your first instinct is probably go to the more popular lenders, such as the big high-street banks. Whilst those lenders might offer a mortgage to someone with a low credit score, you may find you don’t quite make the mark, as their ‘low’ is not quite as low as needed.

This doesn’t mean you can’t still get a mortgage and find a good deal though.

By working with a broker, you can access a range of great mortgage options that have been designed specifically for people with a low credit score (and even a bad credit score). These are more specialists lenders who often work exclusively with mortgage brokers to give people who don’t have the best credit scores the chance to own their own home or remortgage the current one.

The rates offered by these lenders aren’t always as good as the ones you could get with a high credit score, of course. But what low credit score lenders do offer are fair, affordable and good value mortgage rates that allow you to get the property you want now.  These lenders look at your case more individually and are prepared to lend to those with a low credit score.

Will applying for a mortgage harm my credit score?

This depends entirely on who you go to.

It’s true that sometimes applying for any credit, be that a credit card, personal loan or a mortgage can impact your credit score. If you apply for finance and are rejected, this can lower your score, which in turn might make it harder for you to get accepted for mortgages in the future. As you can imagine, this can be very damaging to your credit score if you’re rejected for more than one mortgage.  You start to build a profile of declined lending, which makes other lenders more cautious.

At Clever Mortgages, we like to do things a little differently.

With us, we can help by doing something called a soft credit check. This means that we’ll look at your information and let you know if you’re likely to be accepted for a mortgage before you apply for it.

This not only protects your credit score from being damaged, but also saves you time and effort by removing the mortgages that you aren’t going to be accepted for, and instead only showing you the ones that you could get.

Speak to a broker

Christie Buck

Christie is a specialist mortgage broker, whose been working for Clever for 6 years. She has been in the financial industry for nearly 11 years which included assisting clients in financial difficulty setting up IVAs.

Call us on: 0800 197 0504

How much could you borrow?

Ever wondered borrow?How much can you Find out nowHouse £0£100£1,100£10,000£50,000£100,000£125,000House £125,000£0£0£5,000£10,000£30,000IncomeMortgage £105,000Deposit£0£20,000£10,000£5,000You could borrow between£105,000 £135,000to

Wondering how much you could potentially borrow and how much a mortgage might cost you?*

Use our free interactive mortgage form to tell you.

Our mortgage advisors will then speak to you in more detail for a free, no obligation mortgage quote.

Mr and Mrs D were a couple of first-time buyers struggling to find a mortgage as they had low credit scores and previous defaults. They’d already been declined by a high street bank and weren’t sure if they’d be able to get onto the property ladder.

Case study

Securing a mortgage for the couple with a low credit score

With Clever Mortgages they were able to:

Use 100% of their Universal credit and child benefit alongside their income
Take out a first-time buyer mortgage with a high street bank
Secure a fixed rate of 2.18% even though they had a poor credit history
Ensure financial stability with a good rate and low payments for two years
Start rebuilding their credit score

Mr and Mrs D needed a lender which would accept 100% of the Universal Credit along with Mr D’s income, which they were finding difficult.

We helped them by securing them a first-time buyer mortgage with another high street bank, which is helping them rebuild their credit scores. They now have an affordable mortgage with a fixed-term which is covered by their income and benefits. This has provided them with the security of a new home with low payments for two years.

New Mortgage

Balance £139,500
Payment £528.27
Rate 2.18%
Term 30 Years
New mortgage£139,500£528.272.18%2 year fixed rate 90% LTV30 years

Try our Mortgage Calculator – let’s see what you could borrow

Rates may differ based on your circumstances

6 Great reasons to choose Clever Mortgages


Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Not every case is the same

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Access To Exclusive Rates

The relationship we have with our lenders means we have access to products and deals that simply aren’t available to customers going direct. This is true particularly for those in adverse credit situations.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

Excellent Reviews

We’re proud of our long-standing 5 Star Rating on Trustpilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.

Why use a mortgage broker?

Mortgage brokers can help you find the best deals on the market – not just from one lender. With a broker you’ll get:

  • Valuable knowledge, through years of experience helping customers to find mortgages
  • An improved chance at finding a mortgage, some mortgages are only available through a broker
  • Help with the application process, as usually just one application can be used across various lenders
  • Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage

About Clever Mortgages

We specialise in assessing an individual’s situation, and finding the right mortgage solution for them. We can help:

  • With remortgages, buy-to-let, and first-time buyers mortgages. We have experts who cover these areas
  • Even if you’ve got bad credit – we help people every day with a variety of credit histories to find the right mortgage
  • With applications, as we’ll take the hassle away. We require your details once and we’ll know the best lenders for your circumstance
  • Our team know the lenders that are most likely to say ‘yes’, and give you the best rates

What should I do next?

  • You enquire online with us today or request a call back
    Our simple form takes a couple of minutes to fill in, this gets the ball rolling
  • One of our experts will give you a call to find out more about your situation
    We have experts in remortgaging, who focus solely on helping customers save money
  • We do all the hard work for you
    We search the market for the trusted lender that’s right for you
  • Our expert will get back in touch
    We can guide you every step of the way, and we’ll always keep you up-to-date with progress

Below are some of the lenders we work with