Impared Credit

Yes, You Can Get a Mortgage with Bad Credit

Getting a mortgage today can already feel challenging — and if you have a poor credit history, it might seem out of reach. But don’t lose hope. At Art of Mortgage, we regularly help clients secure what’s commonly known as a bad credit mortgage.

Some lenders take a manual approach when assessing mortgage applications — they don’t just rely on automated decisions. This means that even if your credit score isn’t perfect, there may still be solid options available for you.

We’re here to listen, guide you through your options, and work toward a solution that fits your situation. Reach out to Art of Mortgage and let’s talk about how we can help.

Welcome to Art of Mortgage – Bad Credit Mortgage Specialists

If you’ve been turned down by lenders, it can feel disheartening — but often it just means you’re knocking on the wrong doors.

We know which lenders look at more than just a score. Some will consider your whole credit profile, not just the number. That’s where our experience comes in — we’ve helped many clients in similar situations get approved for a mortgage.

We’re a friendly, approachable team that’s here to support you and find the most suitable mortgage deal for your circumstances.

We May Be Able to Help If You’ve Had:

• County Court Judgements (CCJs)
• IVAs
• Bankruptcy
• Missed loan or credit card payments
• Debt management plans
• Defaults

Bad Credit Mortgages for First-Time Buyers

Buying your first home is a big step — and it can feel even more daunting with bad credit.

We’ll sit down with you, understand your credit history, and get a clear picture of your current situation. Whether the issues were due to utility bills, missed payments, or something else, we’ll help identify the lenders most likely to accept your application.

Bad credit may mean a higher interest rate and deposit, but we’ll always guide you toward options where your monthly payments remain manageable and realistic.

Right to Buy with Bad Credit

If you’re planning to purchase your local authority property under the Right to Buy scheme and you’re worried about bad credit, we can help.

We know which lenders are open to working with clients in these situations and can give you the best possible shot at a successful application — always keeping monthly affordability in focus.

What Mortgage Options Are There for Poor Credit?

Even with bad credit, most types of mortgage products remain available. However, lenders may offer different terms — such as higher interest rates or larger deposit requirements — depending on the perceived risk.

How much you can borrow depends on:

• Your credit history
• Current credit score
• Income and outgoings
• Deposit size

A higher Loan to Value (LTV) ratio may lead to stricter terms. But don’t worry — we’ll work closely with you to find a deal that’s safe and achievable.

At Art of Mortgage, Our Focus Is You

We’ll never recommend a mortgage that puts you at financial risk. Our advice is always based on ensuring your monthly repayments are affordable, even if your credit history isn’t perfect.