Bad Credit Mortgages

Do you have an existing record of Bad Credit? Jones & Young can help you obtain a mortgage with bad credit. Find out more today. 

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Can I get a mortgage with bad credit?​

Yes, it is possible to get a mortgage with a bad credit history, but it may be more challenging.

Lenders look at your credit report to assess your past financial behaviour and decisions before making a mortgage application decision.

Nevertheless, if you have had credit in the past, poor credit rating or adverse credit, there are bad credit mortgage lenders, including some mortgage brokers specialising in bad credit mortgages, who might be able to help.

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Loan to Value(LTV) options typically 90-95%

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Helping customers cut through the noise to understand things their way.

Gross Pay Used

The Lenders average your income over the last 3 months' GROSS pay. Not the net amount from your tax calculations.

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We offer competitive rates ensuring the best price for our customers

What is a bad credit mortgage?​

A bad credit mortgage is a type of home loan provided by lenders to people who have a low credit score or bad credit. It’s often a solution for those who want to buy a house but have had past problems with credit. Because of the increased risk taken by the mortgage lender, these are usually accompanied by a higher interest rate.

What documents do I need to apply for a mortgage with bad credit?​

Most lenders will want to see some or all of the following:
Having these documents ready to submit will help demonstrate your income and confirm your identity and residence. Be prepared to provide additional details if requested by the lender when applying for a mortgage with adverse credit history.

How to get a mortgage with bad credit​



Sort your finances

Improve money management to show responsibility

Check your credit record

Understand lender view of your history

Rebuild your credit score

Increase score by responsible behaviours

Save for a bigger deposit

Larger deposit means a lower risk for a lender

Accept help from family

A family gift can boost your deposit funds

Borrow with a loved one

A joint mortgage applicant improves eligibility

Speak to an advisor

Broker can match you to appropriate lenders

What issues can impact my credit?​

There are several issues that can negatively impact your credit when applying for a mortgage:

Late or missed payments on credit arrangements

If you have a history of making late payments on loans, credit cards, or other financing, this will likely hurt your credit score and ability to get approved.

Mortgage arrears

Falling behind on existing mortgage payments will severely damage your credit profile. Lenders will see this as an indication you may not be able to manage mortgage repayments

Previous repossessions

Having had property repossessed in the past due to missed mortgage payments makes lenders unlikely to want to lend to you again.


Declaring bankruptcy significantly damages your credit rating for 6 years from the date of bankruptcy. Most lenders will not consider lending during this period.

County court judgements (CCJs)

If a court has ordered you to repay an outstanding debt, having CCJs within the past 6 years indicates poor financial management.

Debt management plans or Individual Voluntary Arrangements (IVAs)

Being on a formal debt help scheme to repay creditors will be seen as a sign of poor credit management by lenders.

Any indications that you have struggled with debt obligations and repayments in the past will likely hurt your ability to get approved for a mortgage until you can demonstrate financial stability over time. Improving your credit rating is key.

Will a mortgage lender check my credit history?​

Yes, when you apply for a mortgage, lenders will almost always check your credit history to help assess your affordability and likelihood of repayment 

How far back do mortgage lenders look at credit history?​

Mortgage lenders typically look back at your credit file and payment history for around 6 years.

Rather than submitting applications that could get rejected and further damage your credit rating and file, a broker can guide you towards products and lenders you are more likely to get approved for. They will search for the best mortgage rates available based on your credit situation and desired loan amount. Checking your eligibility beforehand avoids hassles down the road.

What can mortgage lenders see on my credit report?​

When you apply for a mortgage, lenders can access your full credit file and payment history from credit reference agencies. This gives them insight into:
Your current level of debt and available credit
They may not want to see you using more than 50% of your total available credit across credit cards, loans etc.
Your repayment history
Whether you have made payments on time and in full for credit agreements and financial obligations. Late payments will reduce your credit rating
Adverse credit marks
Any defaults, CCJs (county court judgements), bankruptcy, IVAs, or other adverse credit marks within the typical 6 year window they review. They’ll consider how long ago these occurred
Credit applications
The number of credit applications you’ve recently submitted – Numerous applications can indicate credit desperation.
Essentially, lenders accessing your credit file want evidence that you can handle repayments on your mortgage and debts responsibly.

Does having bad credit make your mortgage more expensive?​

Yes, having bad credit can often make your mortgage more expensive. Lenders view borrowers with poor credit histories as higher risk, so they may charge higher interest rates or fees on mortgages for those with bad credit.

Specialist lenders offer specific bad credit mortgages, but these typically have less favorable terms compared to standard mortgages.

What’s the lowest credit score for a mortgage?​

There is no definitive cutoff credit score that you need to qualify for a mortgage, as each lender has their own scoring criteria. However, it is more difficult to get a mortgage if you have a very low credit score. Here are some tips:

What are the benefits of working with a bad credit mortgage broker?​

There is no definitive cutoff credit score that you need to qualify for a mortgage, as each lender has their own scoring criteria. However, it is more difficult to get a mortgage if you have a very low credit score. Here are some tips:
Hassle free services that focus on you
Mortgage industry experts
Helping to get your Mortgage Application Approved
Saving you money & time

30+ Years As Mortgage Advisers

Providing business owners and the self employed with mortgage advice

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Tailored advice recommended for your personal situation

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Access to the whole of market mortgage market to find you the best deal

Read What Our Recent Clients Say About Our Bad Credit Mortgage Broker Service

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Bad Credit Mortgages FAQs:

We’ve done our best to try and answer some of the most frequently asked questions about bad credit mortgages below.

Can I get a mortgage if my partner has bad credit?

If your partner has bad credit but you have good credit, it is still possible to qualify for a mortgage together. Here are a few things to know:

  1. Your partner’s poor credit will likely impact the mortgage. You may not get the best rates or terms offered to borrowers with excellent credit.

  2. Lenders can base decisions on the applicant with the stronger credit history. So if you have significantly better credit than your partner, you may still qualify close to terms you would on your own.

  3. Another option is to apply for the loan under your name only if you can afford mortgage payments on your income alone. 
Bad credit can still qualify for a mortgage, with lenders offering tailored options with higher interest rates and fees.
Yes, but it’s better to satisfy the CCJ and the older it is, the better. 
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