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Bad Credit Mortgages.

At Mortgages Remortgages, we think that regardless of credit history, everyone should have the opportunity to become a homeowner.

No Broker Fee

Pay no broker fee when you consult or get started with us.

Minimum Paperwork

Get with the process with very minimal paperwork and get the work done.

Best Market Deal

Getting the best market deal, also find the best deal from your current lender.

What is Bad Credit?

Many people think if they have bad credit they can’t get a mortgage, this simply isn’t true, we can get you a mortgage and you still have access to great mortgage deals too. You just need to know where to look for them! There are many bad credit mortgage lenders that will consider lending to an individual with a low credit score and poor credit history.

Our team of knowledgeable experts is here to support you throughout the process and help you realise your dream of becoming a homeowner. In the event that you have:

IVAs & Bankruptcy
Missed Payments
Debt Management Plans

Your Guide to Bad Credit Mortgages

What is a Bad Credit Mortgage?

A bad credit mortgage is a type of loan specifically designed for people with poor credit histories. These mortgages cater to those who have faced financial difficulties, such as missed payments, defaults, CCJs, or bankruptcies, which have negatively impacted their credit scores.

Mortgage Lenders offering bad credit mortgages usually charge higher interest rates compared to standard mortgages, reflecting the increased risk they take on. While these loans provide an opportunity for individuals with less-than-perfect credit to purchase a home, they also come with higher costs.

It is important for potential borrowers to carefully consider the terms and implications of a bad credit mortgage, including the possibility of higher monthly payments and the overall cost of the loan over its lifetime. Additionally, borrowers should be aware of the potential for predatory lending practices in this sector and seek advice from an experienced mortgage advisor.

Have Any Questions?

Speak to one of our expert bad credit mortgage advisors today

first time buyers

Can I get a Mortgage with Bad Credit?

Securing a mortgage with bad credit is challenging, but not impossible. Lenders typically evaluate credit scores to assess a borrower’s creditworthiness, and a low score often signifies a higher risk.

However, some lenders specialise in offering bad credit mortgages to individuals with poor credit histories. These mortgages usually come with higher interest rates and may require a larger deposit to offset the lender’s risk. It’s also possible to improve your chances by demonstrating a stable income, a solid employment history, and a lower debt-to-income ratio.

It’s important for potential borrowers to understand the terms and long-term financial implications of these loans and to consider seeking advice from a financial advisor. Responsible borrowing and a focus on improving credit health over time can also open more favourable mortgage options in the future.

Russell kaye
Russell kaye
Stephen is a great guy. Great help and service, as was his team. A1, 5 star. Would highly recommend, thanks for your help ????????
Beth Downing
Beth Downing
Steve has been absolutely incredible. I was absolutely terrified of the process of buying a house but Steve has made it so simple & easy to understand. He’s been available at any time for any questions, including making recommendations which has saved me hundreds of pounds and now an accepted mortgage.I wouldn’t be in this place without his expertise and guidance.Thank you
Paige Harrington
Paige Harrington
Thank you so much to Stephen and the team who have assisted in sorting my remortgage. They have made the process stress free and advised on options available, ensuring I understood each step of the process throughout. 100% recommend!
I feel so lucky to have found Stephen and Sanya. The process of taking out a mortgage is so difficult especially now that I couldn't be happier that they worked with me along the way and explained to me everything I need to know. They work with very high professionalism and trust. Highly recommend. Thank you
August Vincent
August Vincent
Stephen has gone above and beyond for me with sorting my mortgage out. As someone with little experience he has talked me through the whole process and ensured I’ve understood everything. He’s extremely professional and reliable. I would recommend this company to anyone. Thank you so much Steve
Salice Takey
Salice Takey
I had an outstanding experience with Mr. Stephen Kerrigan .His expertise and dedication made securing my mortgage seamless. Highly recommend!
Mitchell Spears
Mitchell Spears
Highly recommend Stephen, helped me and my girlfriend get our first mortgage and made sure we had the best deal. Thanks very much.
Kim Robertson
Kim Robertson
Another brilliant service from Stephen . Thank you so much
Fajaa M
Fajaa M
Saniya and Mr Kerrigan both so helpful and efficient in arranging a mortgage for me. Professional advice given throughout the process.Firaz
Paris Senior
Paris Senior
Recently, we've been navigating the mortgage process with Mortgages RM, and Stephen has been fantastic! His friendly demeanor, coupled with his extensive knowledge, made the entire experience seamless. He's always ready to offer valuable advice and guidance whenever needed. Always prompt to respond to any questions, ensuring we have felt supported every step of the way. Couldn’t recommend more!

How can I get Approved for a Bad Credit Mortgage?

Have Any Questions?

Speak to one of our expert bad credit mortgage advisors today

getting the right mortgage

Frequently Asked Questions

The amount you can borrow for a mortgage with a bad credit history varies depending on several factors. Lenders will consider your specific credit issues, their severity, and how recent they are. Generally, with a bad credit history, lenders may be more cautious and may offer a lower loan-to-value (LTV) ratio, meaning you might need a larger deposit compared to someone with a good credit history.

The exact amount you can borrow also depends on your income, other debts, and financial commitments. Lenders typically use a multiple of your annual income to determine how much they’ll lend, often around 4 to 4.5 times your income. However, if you have a bad credit history, this multiple might be lower.

It’s important to note that each lender has its own criteria for assessing mortgage applications from people with bad credit. Some may be more lenient than others, and the interest rates offered may be higher to reflect the increased risk.

 If you apply for a mortgage with a partner who has bad credit, it can affect the application. Lenders look at both applicants’ credit histories, and bad credit in one applicant can lead to higher interest rates, a requirement for a larger deposit, or even a reduced likelihood of approval. To mitigate this, consider applying individually if one partner has a better credit score, work on improving the partner’s credit score, or look for lenders specialising in bad credit situations. Consulting a mortgage advisor for personalised advice is also recommended.

Our Services

Fast & Bespoke Mortgage Advice in Doncaster

We take pleasure in helping all of our clients, especially those in the Doncaster City areas, who legitimately need mortgage guidance. But obtaining a mortgage isn’t everything. We’ll remain beside you the entire way as the journey is what matters.

Arrange an online appointment for a FREE consultation with a Doncaster mortgage professional.

First Time Buyer

Buying your first home can be a little bit daunting, but we’re here to help with all the challenges of finding your perfect place.


Looking for a better mortgage deal? The process is often not as easy as it first appears.

Moving Home

Thinking of selling your existing property and moving to a new home? It’s important that you try and budget accurately. 

Buy to Let

This can be one of the popular mortgage options available for those wishing to invest in residential & rental property.

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