Skip to content

The Simply Adverse Guide to Bad Credit Mortgage Lenders

Getting a mortgage depends on finding a bank or building society who will lend you money. If you have a history of adverse credit, then you’ll need a mortgage lender that specialises in bad credit that is comfortable approving bad credit mortgage loans.

The good news is that there are bad credit mortgage lenders in the UK, and they may be easier to find than you think if you work with the right broker.

Get Access to The Best Bad Credit Mortgage Lenders

It’s quick & easy. No credit check or upfront fee.

*95% Max LTV. IVAs or Ex-bankruptcy 85% Max LTV

4.95 Average - Based on 3296 Reviews

Why is there a need for poor credit mortgage lenders?

When you apply for a mortgage, lenders want to assess the risk of lending to you. They do this in several ways, including checking your credit report and credit rating. If you have had problems in the past with anything from missing payments for credit cards to bankruptcy, these show on your credit file, and lenders may consider you to be a bad risk.

For some lenders, an individual’s history of bad credit when submitting a mortgage application means they will not consider lending to you. However, this isn’t the case for all lenders. Although it can be tricker finding a mortgage lender with bad credit, it isn’t impossible. A lot will depend on your individual circumstances and the lenders you, or your broker, approach.

Is all adverse credit the same?

No. How favourably adverse credit mortgage lenders consider your application will depend on several factors. These include the type of adverse credit you have, how long ago the adverse credit event was and whether you have settled outstanding debts, for example by satisfying a CCJ (County Court Judgment).

The consequence of this is that if you’re wondering what mortgage lenders will work with bad credit affected applicants the answer is ‘it depends.’ Different bad credit mortgage lenders have different criteria, and these criteria change over time. Changing and differing criteria are among the reasons that bad credit mortgage applications tend to be more successful if applicants use an experienced mortgage broker.

Mortgage approved

What circumstances can result in needing a mortgage lender for bad credit in the UK?

Let’s take a more detailed look at the type of activity that could lead to your credit history causing mortgage lenders to be concerned about your ability to manage debt and payback a mortgage.

The least serious forms of poor credit are late or missed payments. Again, even here there is some variation. For example, even the best bad credit mortgage lenders will tend to be more concerned about missed mortgage payments than other missed payments – for obvious reasons. There will also be questions around the frequency of missed or late payments.

More serious poor credit events include defaulting on debts, having a County Court Judgement (CCJ) issued against you or having a home repossessed. Other circumstances that can count against you include entering into Individual Voluntary Arrangement (IVA) and, most seriously, being declared bankrupt.

Who are the best bad credit mortgage lenders in the UK?

There is really no such thing as a one size fits all list of ‘best mortgage lenders for bad credit in the UK’ for all the reasons examined above. Everyone’s circumstances are different and therefore the best bad credit mortgage lender for you may not be the best for the next person.

Some mortgage lenders that accept bad credit are specialist lenders, while there are also some high street mortgage lenders for bad credit. Which of them is likely to approve your application for a mortgage loan with bad credit will depend on your situation.

At this stage specialist adverse mortgage brokers can make all the difference, as an experienced broker will know which lender to place you with based on the current market and your own personal circumstances.

Getting the keys

Read Our Latest Reviews

4.95 Average - Based on 3296 Reviews

The Simply Adverse List of Mortgage Lenders for Bad Credit

As we’ve said there are many low credit mortgage lenders, so there’s probably only one are two who are best placed for the position that you are in, if you want to achieve the most competitive deal.

We have compiled a list of some of the mortgage loan lenders for bad credit that may consider your application. The mortgage deals they have available to mortgage applicants can vary according to your credit issues, or whether you have a larger deposit.

Many of these lenders only work through adverse credit mortgage brokers like Simply Adverse. This is due to the complexity that is often involved in approving a bad credit mortgage.

Bluestone Mortgages

Bluestone specialises in offering mortgages to applicants with a complex credit history. Their mortgages are only available through their network of trusted brokers, trusted brokers like Simply Adverse. 

Pepper Money

Pepper Money is a specialist lender that takes each application on a case-by-case basis. This can be advantageous to applicants with a poor credit history. Pepper Money only offer bad credit mortgage loans through brokers.


Aldermore is a bank with a range of products including savings accounts and specialist mortgages. They will consider mortgage applications even if you are on a debt management plan and work through brokers.

Together Money

Together Money specialises in offering property finance and can lend to applicants with complicated credit histories.

United Trust Bank

United Trust is a specialist bank offering accounts, financing, and mortgages. Like some of the other specialist lenders they don’t base decisions on an applicant’s credit score and work through intermediaries (this means they only work with brokers).

The Mortgage Lender

The Mortgage Lender is a specialist lender that works with new customers through mortgage brokers.

Precise Mortgages

Precise Mortgages is another specialist lender that allows a certain amount of adverse credit. 

Norton Home Loans

Norton Home Loans specialises in providing mortgages to applicants who don’t fit the standard criteria of high street lenders. They work exclusively with third party brokers.

Accord Mortgages

Accord are an intermediary only mortgage lender – that is they only offer mortgage deals through brokers. They may consider lending to applicants with some severe adverse credit events on their credit history.

Vida Homeloans

Vida is another bad credit mortgage lender that only works through intermediaries. They specialise in offering mortgage loans to applicants who have problems with credit in the past.

Kensington Mortgages

Kensington Mortgages is a specialist mortgage lender that offers mortgage loans to applicants in a range of unusual situations including applicants with a low credit score.

MBS Lending

MBS Lending offer mortgages via mortgage brokers to applicants with an adverse credit history. They may not consider applications from those with the severest problems.

Buckinghamshire Building Society

Buckinghamshire Building Society is a mutually owned lender based in Chalfont St. Giles in Buckinghamshire. They offer a number of specialist mortgage products including mortgages for people with bad credit.

Kent Reliance

Kent Reliance offers savings products and mortgages, including mortgages with an adverse credit history. New mortgage applications are only accepted through qualified brokers.

Darlington Building Society

Darlington Building Society is a mutually owned lender based in the North East of England. Among their mortgage products are deals for applicants with previous credit problems, including applicants with ‘complicated credit circumstances’.

Foundation Home Loans

Foundation Home Loans are a specialist buy to let and residential mortgage lender who lend to applicants with complex circumstances. Their mortgages are only available through mortgage brokers.

The ‘familiar names’

You may or may not have heard of some of the lenders above. We’re sure you’ll have heard of the lenders below. These are the high street lenders that you are probably familiar with. While these don’t only offer mortgages through mortgage brokers, like many of those above, it is still highly advisable to use a broker to ensure your application is placed with the best lender for your circumstances.

Skipton Building Society

Specialist lenders know that getting a mortgage with bad credit is complicated, which is why they tend to only work with brokers such as Simply Adverse. We agree with these poor credit mortgage lenders that applying through a broker is the way to go. Many clients we help have failed multiple times to secure a mortgage directly with a lender or via a non-specialist mortgage broker.

Working with a broker increases the likelihood of a successful application and reduces the risk of repeated credit checks and rejections, which may further damage your credit history.

Call 01245 330163 For A Free Quote

Lines Open: Mon-Fri 9am-9pm and Sat/Sun 9am-5pm. Alternatively request a call back at a time convenient to you.

It’s quick & easy. No credit check.

If you are trying to find bad credit lenders for your mortgage application, Adverse is all we do. With over 2,500 5-star reviews, talk to Simply Adverse today.

Your home may be repossessed if you do not keep up repayments on your mortgage.