Mortgage with a low credit score?
You can still take out a mortgage even if you’ve got a poor credit score
- Bad credit mortgage specialists
- 95% mortgages available to purchase a property
- Only one application
- 90% remortgage available
Are you worried you may struggle to get a mortgage because of a poor credit history.
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.
See if you qualify
Call now to speak with a specialist mortgage broker
0800 197 0504
or complete our form and see what you could potentially borrow
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
- Many lenders will still loan to people with bad / poor credit
- Even with a registered CCJ
- Default / Missed Payment
- DMP / IVA
- Bankruptcy
- Can still be considered for Help-to-Buy, Right-to-Buy and Shared Ownership
Quick calculator
Input your salary for a quick overview of what you could potentially borrow
How much can I borrow?
You might have never had a mortgage before, or your financial circumstances might have recently changed. In either case, you might be unsure how much you can borrow for a mortgage. Our tool can help work this out based on your salary, combining your partner’s salary if it’s a joint mortgage.
How much can I borrow for the mortgage?
Number of applicants
Income
| Applicant 1 | Applicant 2 | |
|---|---|---|
| Annual Income | ||
| Other Income |
Your Mortgage results
Based on your entered income and subject to lenders criteria and credit scoring,
you could be
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A mortgage of £{{ mortgageResult.max | currency }} at 5.8% over 25 years would cost you approximately £{{ monthlyPayments | currency }} per month.
Please complete annual income for both applicants.
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
Call now to speak with a specialist mortgage broker
0800 197 0504
Mon – Thurs 9am -7pm | Fri 9am – 5pm
