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
- Use a Specialist Bad Credit Mortgage Broker
Brokers life Clever Mortgages understand which lenders are more flexible with credit issues. - Be Honest on Your Application
Transparency builds trust with your broker and lender. - Save for a Larger Deposit
The bigger your deposit, the lower the risk to the lender. - 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.
