Bad Credit Mortgages

Our expert guidance finds solutions for home financing, even with credit challenges.

What are bad credit or adverse credit mortgages?

An adverse credit mortgage is a type of mortgage designed for individuals who have a less than perfect or “adverse” credit history. This means that the borrower may have had issues such as missed payments, defaults, County Court Judgments (CCJs), or other negative marks on their credit record

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Here's how they work...

Eligibility: Adverse credit mortgages are typically offered to borrowers who might be considered higher risk by traditional lenders due to their credit history.

Higher Interest Rates: Lenders offering adverse credit mortgages often charge higher interest rates than standard mortgages to offset the increased risk associated with borrowers who have experienced credit problems.

Limited Product Choice: Borrowers with adverse credit may have a more limited selection of mortgage products and providers.

Criteria Vary: Lenders offering adverse credit mortgages have varying criteria and may consider different aspects of your credit history. Some may be more lenient than others, and the terms of the mortgage can differ.

Helping your become a homeowner, even with adverse credit

Adverse credit mortgages can provide an opportunity for individuals with a less-than-ideal credit history to access the property market. However, it’s important to be aware that these mortgages may be more costly due to higher interest rates, and they may have stricter terms and conditions.

Borrowers should carefully consider their ability to meet the repayments and work on improving their credit history to access better mortgage deals in the future.

How to check your current credit score

A good place to start when you have issues with your credit file is to check your credit report.

It’s important to note that while having a good credit score can increase your chances of being accepted for a mortgage, there are other factors that lenders consider as well.  These include your income, employment history, debt-to-income ratio, and the size of your deposit.

To increase your chances of being accepted for a mortgage, you can take steps to improve your credit score and address any issues on your credit report, such as reducing debt, making payments on time, and disputing any errors on your report.

If you need further guidance with understanding your credit report, send a copy of your report to

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Try it FREE for 30 days. then £14.99 per month. Cancel anytime

How to download your report:

Once you’ve signed up for the report, scroll down to the bottom of the page and select “Download Printable Report”. You can then save the report and send over to us for your free credit report review.

How to cancel your report:

– Go to the “Expert help” tab in the menu.
– Select the “Your Account” on the dropdown
– Choose “Details”
– On the dropdown, choose “I would like to manage my subscription”.
– Then choose “I would like to stop my subscription”

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Disclaimer: This page contains affiliate links via the above checkmyfile link. We receive commission when you proceed with Checkmyfile. This helps support the the page and allows us to continue to provide you with useful content. After your free trial has expired, you will be charged £14.99 until your subscription is cancelled.

Why our customers recommend GoMortgage
Take a look at our Google reviews
Ogbonge AfricanMama
Ogbonge AfricanMama
I reached out to Chris on facebook after i stumbled on one of his reels, i wasn't expecting anything positive from Facebook as i had been previously turned down by two major Mortgage Advisers. Natalie and Shirley took up my case and in a short while got me a high street lender despite the price of the property been raised by 20%. They carried me along all through the process and i was never left in the dark. I am a single parent , first time buyer and first time landlord. They also helped me get the right Legal Advisers and Insurance. I highly recommend their services. Thank you Natalie and Shirley. BR Gina
Chris Days
Chris Days
Amazing service
Graham Nicholls
Graham Nicholls
Rhiannon supported us throughout the mortgage application process. Very friendly, supportive, and knowledgeable. Highly recommended.
Calum Hayward
Calum Hayward
Absolutely brilliant service! I cannot fault Chris, Natalie and Shirley. They got us our dream home and supported us through the entire journey! Thank you!
Meg Talbot
Meg Talbot
We always thought buying our first house would be stressful, when we found this company through a few Facebook videos we thought we would enquire. Rhiannon got in touch with us and she talked us through the whole process and sorted so much for us! I would not recommend anyone else she has been amazing and we can’t thank her enough.
benjamin lee
benjamin lee
After seeing Chris days facebook reels I got in touch with gomortgage and was contacted by Laura who took some details of what I was wanting .Laura provided an outstanding service and nothing was to much even down to final details she explained everything and chased up the lender looking forward to doing buisness again in the near future. 5 star service would not hesitate to pass details on to any family friends etc
Meritxell Humbert
Meritxell Humbert
Very professional service, from the early beginning until the purchase is completed. Valuable and frequent updates to keep me up to date on the purchase process. Would recommend 100%
Russ Bury
Russ Bury
Chris and Shirley made getting my first mortgage so easy and quick. A very professional, friendly and personal approach. I would recommend them and Go Mortgage to anybody. Easily 5 star service. Thank you. Russ
Anita Winters
Anita Winters
Chris and Shirley have been so good in helping us secure a mortgage and guide us through to completion. Always ready to answer any questions we had and very responsive in correspondence. Would highly recommend.
Numan Ashequl
Numan Ashequl
We have been very stressed about our housing situation. We came across Laura Thompson. She went above and beyond to support our requirements providing an informative but tailored service for me and my family. We were able to contact her almost any time and she was delightful to talk to. We really appreciate all she has done. Really a great service from Laura outstanding professionalism. Thank you so much to go mortgage and to LauraThompson!!