{"id":4003,"date":"2026-06-24T11:10:15","date_gmt":"2026-06-24T10:10:15","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=4003"},"modified":"2026-06-24T11:10:16","modified_gmt":"2026-06-24T10:10:16","slug":"getting-a-mortgage-with-bad-credit","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/getting-a-mortgage-with-bad-credit\/","title":{"rendered":"Getting a mortgage with\u00a0bad\u00a0credit"},"content":{"rendered":"<div class=\"c-section c-section--primary-lighter my-4\" id=\"\">\n    <h2 class=\"c-section__title\">\n        In summary:    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">It may still be possible to get a mortgage if you have\u00a0bad credit, although your options are likely to be more limited and may come with higher interest rates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Applying for\u00a0a mortgage in principle could\u00a0give\u00a0you\u00a0clearer idea of what lenders might be willing to lend\u00a0you,\u00a0before\u00a0you\u00a0start the\u00a0full\u00a0mortgage application\u00a0process.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Creditworthiness isn\u2019t just determined by your credit score. Histories of missed payments, defaults, CCJs or bankruptcies and the total amount of debt you have could also impact your mortgage application. <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Having a larger deposit will improve your chances of\u00a0securing\u00a0a mortgage with\u00a0bad credit.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<h2 id=\"can-you-get-a-mortgage-with-bad-credit-in-the-uk\" class=\"wp-block-heading\">Can you get a mortgage with\u202fbad credit\u202fin the UK?\u202f\u00a0<\/h2>\n\n\n\n<p>Depending on the&nbsp;nature of your credit history and your wider financial circumstances,&nbsp;there&nbsp;is&nbsp;still&nbsp;a chance of&nbsp;getting&nbsp;a mortgage.&nbsp;However, it&nbsp;is likely to&nbsp;be&nbsp;more&nbsp;challenging,&nbsp;come with&nbsp;higher&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/interest-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">interest rates<\/a>&nbsp;and&nbsp;may&nbsp;affect the type of offers and number of deals available to you.&nbsp;<\/p>\n\n\n\n<p>Mortgage lenders will review your credit history to assess your financial&nbsp;behaviours and&nbsp;check that you are likely to repay the money that you borrow.&nbsp;If they find that&nbsp;you\u2019ve&nbsp;struggled&nbsp;to manage debt repayments in the past, they may be more&nbsp;likely to&nbsp;decline your application.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/reasons-for-mortgage-decline-property\/\" target=\"_blank\" rel=\"noreferrer noopener\">Common reasons for mortgage declines<\/a>&nbsp;include low credit scores,&nbsp;previous&nbsp;debt&nbsp;issues&nbsp;and&nbsp;affordability concerns. Even if you pass&nbsp;credit check, you&nbsp;may&nbsp;still&nbsp;not&nbsp;be&nbsp;approved&nbsp;for&nbsp;amount you&nbsp;have&nbsp;requested, if&nbsp;you do not meet&nbsp;the lender\u2019s&nbsp;affordability checks.&nbsp;<\/p>\n\n\n\n<h3 id=\"how-to-know-if-you-have-bad-credit-for-a-mortgage\" class=\"wp-block-heading\">How to know if you have\u00a0bad credit\u00a0for a mortgage?\u00a0<\/h3>\n\n\n\n<p>It\u2019s&nbsp;a good idea&nbsp;to check your credit score before preparing to buy a home and applying for a mortgage. You can get a free credit report through agencies such&nbsp;as, Equifax,&nbsp;<a href=\"https:\/\/www.transunion.co.uk\/consumer\/get-your-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">TransUnion<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.experian.co.uk\/consumer\/app.html\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a>. These agencies will usually offer free credit reports through their apps.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Another way&nbsp;to&nbsp;check&nbsp;whether your credit history is likely to&nbsp;impact&nbsp;your ability to secure a mortgage is by&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/\" target=\"_blank\" rel=\"noreferrer noopener\">getting a mortgage in principle (MIP)<\/a>.&nbsp;This is a&nbsp;personalised&nbsp;indication&nbsp;from a bank or lender&nbsp;with&nbsp;how much they might be willing to lend you,&nbsp;based on&nbsp;a&nbsp;simple&nbsp;assessment of your financial history.&nbsp;&nbsp;<\/p>\n\n\n\n<p>With a MIP,&nbsp;you\u2019re&nbsp;not committing to anything, and your credit rating&nbsp;won\u2019t&nbsp;be affected.&nbsp;It&nbsp;doesn\u2019t&nbsp;guarantee that&nbsp;you\u2019ll&nbsp;get a mortgage,&nbsp;but it&nbsp;can help you to understand your options more clearly.&nbsp;&nbsp;<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"3386f6ee6b53b840f6c740b65f24bc71\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul>\n<li>Find out how much you can borrow<\/li>\n<li>Instant result<\/li>\n<li>No commitment<\/li>\n<li>No impact on your credit score<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n            <div class=\"c-calculator-module__footer__item c-calculator-module__powered\">\n                            <span>Powered by<\/span> <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2026\/05\/NatWest-dark-logo-300x108.png\" alt=\"\">\n                        <\/div>            <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"what-is-bad-credit\" class=\"wp-block-heading\">\u202fWhat is\u202fbad credit?\u202f\u202f\u00a0<\/h2>\n\n\n\n<p>Bad credit&nbsp;refers to a financial&nbsp;history of&nbsp;not paying bills on time&nbsp;or&nbsp;owing too much money&nbsp;to lenders.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Generally,&nbsp;bad credit&nbsp;will be outlined in a credit report, which provides an overview of an individual\u2019s&nbsp;previous&nbsp;borrowing and bill-paying behaviour across&nbsp;credit cards, utility bills, loans and more.&nbsp;<\/p>\n\n\n\n<p>In the UK,&nbsp;credit&nbsp;reference agencies use their own scoring systems to summarise an individual\u2019s&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit history<\/a>.&nbsp;Although scoring ranges vary between agencies, a stronger credit profile with a&nbsp;higher score&nbsp;can improve&nbsp;your chances of securing a mortgage, and vice versa.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Common&nbsp;causes of&nbsp;bad&nbsp;credit&nbsp;or&nbsp;low&nbsp;credit&nbsp;scores&nbsp;include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Missed or\u00a0late payments.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Defaults, when an individual\u00a0fails to\u00a0repay debt for an extended period, leading\u00a0their\u00a0lender to close their\u00a0account.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>County court judgements\u00a0(CCJs), which\u00a0may\u00a0be issued when you\u00a0fail to\u00a0repay money you owe.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bankruptcy or Individual Voluntary Arrangements (IVAs), which are formal solutions for dealing with significant debt.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 id=\"how-a-bad-credit-score-impacts-your-mortgage-application\" class=\"wp-block-heading\">\u202fHow\u202fa bad credit\u202fscore\u202fimpacts\u202fyour mortgage application\u202f\u00a0<\/h2>\n\n\n\n<p>While there&nbsp;is no set minimum&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit score required to get a mortgage<\/a>,&nbsp;it&nbsp;will&nbsp;often&nbsp;impact&nbsp;whether a lender&nbsp;decides&nbsp;to offer you&nbsp;a loan.&nbsp;The smaller your deposit, the&nbsp;more&nbsp;stringent&nbsp;the lenders&nbsp;checks will be, due to&nbsp;increased&nbsp;risk for them.&nbsp;<\/p>\n\n\n\n<p>Your credit history is one of&nbsp;many&nbsp;factors&nbsp;lenders may consider when assessing how you manage borrowing and whether to offer you a mortgage.&nbsp;&nbsp;<\/p>\n\n\n\n<p>While a&nbsp;low&nbsp;credit score can reduce your chances with high-street lenders, it&nbsp;doesn\u2019t&nbsp;necessarily mean that&nbsp;you&nbsp;won&#8217;t&nbsp;be able to get a&nbsp;mortgage&nbsp;with another provider.&nbsp;&nbsp;<\/p>\n\n\n\n<p>However,&nbsp;it may just result in:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher interest rates compared to standard mortgage deals\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A larger deposit requirement\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower borrowing limits\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>More detailed checks on your income and spending\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Additionally, specialist or adverse credit lenders are also available&nbsp;that may be more flexible, considering other aspects such as your current income,&nbsp;job stability, recent financial behaviour, and how long ago any credit issues occurred&nbsp;when&nbsp;offering&nbsp;mortgages.&nbsp;<\/p>\n\n\n\n<h2 id=\"mortgage-options-for-those-with-bad-or-adverse-credit\" class=\"wp-block-heading\">Mortgage\u202foptions for\u00a0those with\u00a0bad\u202for adverse\u202fcredit\u202f\u00a0<\/h2>\n\n\n\n<p>If you have bad or adverse credit, you&nbsp;could&nbsp;still&nbsp;have&nbsp;some&nbsp;mortgage options, but they&nbsp;may&nbsp;differ from standard&nbsp;mortgage&nbsp;offers.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 id=\"mainstream-or-high-street-lenders\" class=\"wp-block-heading\">Mainstream or \u2018high street\u2019 lenders\u00a0<\/h3>\n\n\n\n<p>Some high street lenders may consider your application&nbsp;if your credit issues were less severe or happened some time ago.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 id=\"specialist-mortgage-lenders\" class=\"wp-block-heading\">Specialist\u00a0mortgage\u00a0lenders\u00a0<\/h3>\n\n\n\n<p>For more complex cases, specialist or adverse credit lenders&nbsp;are likely to be more&nbsp;flexible. However,&nbsp;their mortgage&nbsp;offers&nbsp;are likely to&nbsp;come with&nbsp;higher interest rates,&nbsp;additional&nbsp;fees, or tighter conditions.&nbsp;<\/p>\n\n\n\n<h3 id=\"guarantor-mortgages\" class=\"wp-block-heading\">Guarantor mortgages\u00a0<\/h3>\n\n\n\n<p>Another&nbsp;option&nbsp;worth considering&nbsp;is a&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/guarantor-mortgages\/\" target=\"_blank\" rel=\"noreferrer noopener\">guarantor mortgages<\/a>, where a family member or close friend agrees&nbsp;to support your application by offering their&nbsp;own income or savings as security.&nbsp;This&nbsp;may&nbsp;reduce the lender\u2019s risk and&nbsp;could&nbsp;improve&nbsp;the likelihood&nbsp;of&nbsp;your application&nbsp;being&nbsp;considered.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 id=\"delay-your-mortgage-application\" class=\"wp-block-heading\">Delay your mortgage application\u00a0<\/h3>\n\n\n\n<p>If you have&nbsp;bad credit,&nbsp;it\u2019s&nbsp;important to consider whether now is the right time to move.&nbsp;Whilst owning your own home could offer greater security&nbsp;in the long run, in some cases, waiting&nbsp;a bit longer&nbsp;and&nbsp;improving&nbsp;your credit score&nbsp;first,&nbsp;could&nbsp;provide access to better deals and lower costs&nbsp;in the short term.&nbsp;<\/p>\n\n\n\n<p>To&nbsp;understand which of the&nbsp;options&nbsp;may be available for&nbsp;your own circumstances, you could&nbsp;speak to a&nbsp;regulated mortgage advisor or&nbsp;mortgage broker.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-your-deposit-size-affects-approval\" class=\"wp-block-heading\">How your deposit size affects approval\u202f\u00a0<\/h2>\n\n\n\n<p>Your credit score is not the only factor that influences your mortgage application. In their assessments, lenders also check affordability when deciding how much you can borrow, with the size of your deposit also influencing the deals that you are offered.&nbsp;<\/p>\n\n\n\n<p>Deposit sizes are typically expressed as a percentage of the overall property price, known as loan to value (LTV). If you were to put down a 10% deposit, your LTV would be 90%.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Larger deposits&nbsp;(and lower LTVs) reduce the lender\u2019s risk&nbsp;and&nbsp;lower the&nbsp;barriers for&nbsp;you if you&nbsp;have&nbsp;poor credit.&nbsp;&nbsp;As a result,&nbsp;borrowers with larger deposits often secure more favourable interest rates.&nbsp;If you a low credit score and a&nbsp;smaller&nbsp;deposit,&nbsp;you&nbsp;may be&nbsp;more&nbsp;likely to&nbsp;have&nbsp;your application&nbsp;declined.&nbsp;<\/p>\n\n\n\n<p>You can use&nbsp;our&nbsp;mortgage calculator&nbsp;to see how&nbsp;different deposit sizes could affect&nbsp;the amount you&nbsp;might be able to&nbsp;borrow and monthly payments.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If you have&nbsp;bad credit, having a larger deposit can improve your chances of being approved for&nbsp;a mortgage, and may&nbsp;help you access better deals.&nbsp;&nbsp;<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light \" \n   data-module-admin-id=\"1b086b87b512ef3d1c2bed3346f87a8c\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>Work out your home-buying budget<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"tips-for-improving-your-credit-score-for-mortgage-approval\" class=\"wp-block-heading\">Tips for improving your credit score for mortgage approval\u202f\u00a0<\/h2>\n\n\n\n<p>If you are declined for a mortgage&nbsp;due to adverse credit, it&nbsp;doesn\u2019t&nbsp;mean that homeownership is&nbsp;off the cards forever. There are several steps&nbsp;to take to&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">improve your credit score<\/a>, and&nbsp;additional&nbsp;changes that can make your application more favourable to lenders.&nbsp;<\/p>\n\n\n\n<p>Alongside credit ratings, lenders also carry out&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">affordability assessments<\/a>, looking at your income, spending, and existing debts.&nbsp;Therefore, showing&nbsp;stable finances and reducing what you owe can strengthen your application.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Speaking to a&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-help-mortgage-declined\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage broker<\/a>&nbsp;can&nbsp;also be useful,&nbsp;as they may be able to explain how&nbsp;different lenders assess risk and which lenders may be more willing to consider applicants with adverse&nbsp;credit.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Here are&nbsp;some simple&nbsp;ways to improve your credit profile:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Make\u00a0all payments on time, including credit cards,\u00a0loans\u00a0and household bills\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Reduce\u00a0outstanding debt, which can improve your score and affordability\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Register on the electoral roll\u00a0well in advance\u00a0<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>Avoid\u00a0taking out\u00a0new\u00a0loans\u00a0or\u00a0having\u00a0hard\u00a0credit\u00a0checks\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 id=\"getting-help-with-debt-or-bad-credit\" class=\"wp-block-heading\">Getting help with debt\u00a0or\u00a0bad credit\u00a0<\/h2>\n\n\n\n<p>If&nbsp;you\u2019re&nbsp;struggling with debt, getting advice and support early can help you regain control of your&nbsp;finances, and improve your chances of securing a mortgage in the future.&nbsp;<\/p>\n\n\n\n<p>In the UK, there are several free, confidential services&nbsp;offering&nbsp;practical guidance&nbsp;in relation to budgeting, managing repayments, and formal solutions if&nbsp;required.&nbsp;A full list of resources can be found&nbsp;on the&nbsp;<a href=\"https:\/\/www.gov.uk\/debt-advice\" target=\"_blank\" rel=\"noreferrer noopener\">Gov.uk website<\/a>,&nbsp;including:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.moneyhelper.org.uk\/en\/money-troubles\/dealing-with-debt\/use-our-debt-advice-locator\" target=\"_blank\" rel=\"noreferrer noopener\">MoneyHelper<\/a>\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.nationaldebtline.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">National Debtline<\/a>\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.citizensadvice.org.uk\/about-us\/contact-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">Citizens Advice<\/a>\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 id=\"faqs\" class=\"wp-block-heading\">FAQs\u00a0\u00a0<\/h2>\n\n\n<ul class=\"c-faqs\" id=\"\">\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-remortgage-with-bad-credit\" class=\"c-faqs__question\">Can I remortgage with bad credit?\u00a0\u00a0<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>Yes, it is possible to\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/what-is-remortgaging\/\" target=\"_blank\" rel=\"noreferrer noopener\">remortgage<\/a>\u00a0with\u00a0bad credit,\u00a0but\u00a0your options may be more limited. You may need to look at specialist lenders, and the rates available\u00a0could be\u00a0higher than standard deals.\u00a0Speaking to a broker can help you find lenders more suited to your situation.<\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-credit-score-do-you-need-to-get-a-mortgage-with-bad-credit\" class=\"c-faqs__question\">What credit score do you need to get a mortgage with bad credit? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW14921986 BCX0\">There is no universal minimum credit score<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">, as each\u00a0<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">lender sets its own criteria and uses different scoring systems.<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">H<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">igh-street lenders prefer stronger credit profiles<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">, while s<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">pecialist lenders may accept lower scores<\/span><span class=\"NormalTextRun SCXW14921986 BCX0\">.<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-much-deposit-do-you-need-for-a-bad-credit-mortgage\" class=\"c-faqs__question\">How much deposit do you need for a bad credit mortgage? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun SCXW66019223 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW66019223 BCX0\">In some cases, it may be possible to get a mortgage with\u00a0<\/span><span class=\"NormalTextRun SCXW66019223 BCX0\">bad credit<\/span><span class=\"NormalTextRun SCXW66019223 BCX0\">\u00a0with a smaller deposit, but eligibility will depend on the lender, your credit\u00a0<\/span><span class=\"NormalTextRun SCXW66019223 BCX0\">history<\/span><span class=\"NormalTextRun SCXW66019223 BCX0\">\u00a0and your wider financial circumstances. In general, a larger deposit may improve the range of products available and could help you access more competitive rates. If you have\u00a0<\/span><span class=\"NormalTextRun SCXW66019223 BCX0\">bad credit<\/span><span class=\"NormalTextRun SCXW66019223 BCX0\">, it may be helpful to speak to a broker about the options available to you.<\/span><\/span><span class=\"EOP SCXW66019223 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-get-a-mortgage-after-bankruptcy\" class=\"c-faqs__question\">Can I get a mortgage after bankruptcy? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW258789742 BCX0\">It can be difficult to\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">get a\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">mortgage after\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">bankruptcy.<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">Some lenders may consider applications once you have been discharged, although eligibility criteria vary and mainstream lenders may require a longer period of improved financial history<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">.\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">You can s<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">peak\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">to a\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">regulated\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">broker to\u00a0<\/span><span class=\"NormalTextRun SCXW258789742 BCX0\">assess your options.<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-get-a-mortgage-if-my-house-was-repossessed\" class=\"c-faqs__question\">Can I get a mortgage if my house was repossessed? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW257703844 BCX0\">Yes, but it\u00a0<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">is<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">\u00a0challenging. Repossession is\u00a0<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">viewed<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">\u00a0as a serious credit issue, so many lenders will apply stricter rules<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">, such as requiring a<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">larger<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">\u00a0deposit<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">\u00a0and a<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">\u00a0period of improved financial behaviour.\u00a0<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">Repossession is usually viewed as a serious credit issue, so lenders may apply stricter criteria and may require a larger deposit or a longer period of improved financial behaviour before considering an application<\/span><span class=\"NormalTextRun SCXW257703844 BCX0\">.<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-can-i-improve-my-credit-score-to-get-a-mortgage\" class=\"c-faqs__question\">How can I improve my credit score to get a mortgage?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"NormalTextRun SCXW612259 BCX0\">Improving your credit score takes time, but small steps can make a difference<\/span><span class=\"NormalTextRun SCXW612259 BCX0\">. Some of the best ways to improve your credit score include registering to vote, paying bills on time, reducing your debt, and paying off\u00a0<\/span><span class=\"NormalTextRun SCXW612259 BCX0\">credit card<\/span><span class=\"NormalTextRun SCXW612259 BCX0\">\u00a0balance regularly.\u00a0<\/span><span class=\"NormalTextRun SCXW612259 BCX0\">For more personalised advice, speak to a regulated mortgage advisor or broker.<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"should-you-use-a-mortgage-broker-if-you-have-bad-credit\" class=\"c-faqs__question\">Should you use a mortgage broker if you have bad credit?<\/h3>\n            <div class=\"c-faqs__answer\">\n                <p>If you have poor credit, speaking to a regulated mortgage adviser or broker may help you understand which options could be available to you. Using a mortgage broker can help identify suitable lenders that are more likely to accept your application and will advise on the different processes and criteria. They can also access specialist lenders that are not always available directly to consumers.<\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\n\n\n\n\n\n<p><\/p>\n\n\n\n<p>*Sources:&nbsp;<a href=\"https:\/\/hoa.org.uk\/advice\/guides-for-homeowners\/i-am-buying\/mortgages-for-bad-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">HomeOwnersAlliance,<\/a>&nbsp;<a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/debt-solutions\/bankruptcy\/after-you-go-bankrupt\/discharge-from-bankruptcy\/\" target=\"_blank\" rel=\"noreferrer noopener\">Citizens Advice Bureau: Discharge from Bankruptcy;<\/a>&nbsp;<a href=\"https:\/\/www.gov.uk\/debt-advice\" target=\"_blank\" rel=\"noreferrer noopener\">Gov.uk Debt Advice<\/a>&nbsp;<\/p>\n\n\n\n<p><em>Please note:\u00a0Your home may be repossessed if you do not keep up repayments on your mortgage.\u00a0Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.\u202f<\/em>\u00a0<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Can you get a mortgage with\u202fbad credit\u202fin the UK?\u202f\u00a0 Depending on the&nbsp;nature of your credit history and your wider financial circumstances,&nbsp;there&nbsp;is&nbsp;still&nbsp;a chance of&nbsp;getting&nbsp;a mortgage.&nbsp;However, it&nbsp;is likely to&nbsp;be&nbsp;more&nbsp;challenging,&nbsp;come with&nbsp;higher&nbsp;interest rates&nbsp;and&nbsp;may&nbsp;affect the type of offers and number of deals available to you.&nbsp; Mortgage lenders will review your credit history to assess your financial&nbsp;behaviours and&nbsp;check that you are [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4007,"parent":835,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":[9895]},"class_list":["post-4003","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":["9895"]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Getting a mortgage with\u00a0bad\u00a0credit - Rightmove<\/title>\n<meta name=\"description\" content=\"Getting a mortgage with bad credit is likely to\u00a0be\u00a0more\u00a0challenging,\u00a0and may come with\u00a0higher\u00a0interest rates\u00a0and\u00a0more limited options.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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