Bad Credit Mortgages - Guides for Every Scenario
One of the benefits of using John Charcol is our direct access to subprime mortgage lenders, who are able to consider applications for people with bad credit.
We also learn about your situation and how the adverse credit occured, then use this information to source you the best deal possible with a suitable lender.
The list below illustrates some of the bad credit situation we can help with:
Bad Credit Mortgage Brokers
Find out how a bad credit mortgage broker like John Charcol can help you here. We go through how credit affects your mortgage, your mortgage options & more.
Can You Get a Mortgage with a CCJ?
Find out how to get a mortgage with a CCJ in our guide. We go through how a CCJ can affect your mortgage options, steps you can take and more.
Can You Get a Mortgage with a Criminal Conviction?
Learn about getting a mortgage with a criminal conviction here. We discuss how a criminal conviction can affect a mortgage, improving your credit score & more.
Getting a Mortgage After Bankruptcy
Learn about getting a mortgage after bankruptcy in our guide. We explain what bankruptcy is, how it can affect your credit score, mortgage application and more.
Late Payments and Mortgage Applications
Learn about late payments & mortgage applications here. We explain how late payments impact mortgage applications, what to do if you have a late payment & more.
Mortgage Credit Check
Learn all about what a mortgage credit check is here. We explain how lenders credit check you, the difference between a soft and hard credit check and more.
How Long After Repossession Can I Get a Mortgage?
Can you get a mortgage after repossession? And how long do you have to wait? Find out in our guide. We explain what lenders consider and your options.
How Far Back Do Mortgage Lenders Look at Credit...
Learn how far back mortgage lenders look when assessing your credit history here. We go through what they consider, how poor credit affects applications & more.
Can I Get a Mortgage with a Default?
Learn whether you can get a mortgage with a default in our guide. We go through what lenders consider, what can affect your application and your options here.
Do I Need to Pay Off My CCJs to Get a CCJ...
Find out whether you need to pay off your CCJs before getting a mortgage. We explain how CCJs affect mortgage applications, what lenders consider and more.
Subprime Mortgage
Learn all about getting a subprime mortgage in our guide. We go through what a subprime mortgage is, the pros & cons, what to consider, how to apply & more.
What Is the Minimum Credit Score for Mortgages in...
Do you need a minimum credit score for a mortgage in the UK? Here we explain how credit history can affect the mortgage deals available & what your options are.
How to Obtain a Joint Mortgage When Both...
Looking to obtain a joint mortgage where both applicants have bad credit? Learn about how bad credit affects the deals available to you & what your options are.
Joint Mortgage with One Bad Credit Applicant
Looking to obtain a joint mortgage with one bad credit applicant? Learn about how bad credit affects the deals available to you & what your options are.
Can You Get a Mortgage with Credit Card Debt? UK
Learn about getting a mortgage with credit card debt in our guide. We go through how credit card debt affects a mortgage application and what your options are.
Can I Get a Mortgage After a Debt Relief Order?
Wondering if you can get a mortgage with a debt relief order? Here we go through what lenders consider when you’ve had a DRO and how it affects your options.
Can I Get a Mortgage with an IVA?
Learn whether you can get a mortgage with an IVA here. We explain how long you should wait to apply, how to improve your chances of securing a deal & more.
Guaranteed Mortgage Approval with Bad Credit
You can’t get guaranteed mortgage approval with bad credit or great credit, but that doesn’t mean getting a mortgage with bad credit isn’t possible. Learn more.
How a Mortgage Application Affects Your Credit...
Want to know how a mortgage application affects your credit report? Learn about getting a mortgage application credit check including soft & hard searches here.
What to Do if Your Mortgage Is Declined
Had a mortgage application declined? Don’t worry it doesn’t mean you won’t find another deal. Learn what to do & what your next steps are in our guide.
Can You Get a Mortgage on Benefits?
It is possible to get a mortgage on benefits. Learn how it works, what kind of options are available to you and how to secure the best deal here.
Self-Employed Mortgage with Bad Credit
You can still get a mortgage as a self-employed person with bad credit, you may just need some additional specialist support. Learn more.
What Is Checkmyfile?
Learn about the credit report service Checkmyfile here. We go through how it works, how it compares to other credit agencies, the effects of bad credit & more.
Bad Credit Mortgage Rates
Learn all about bad credit mortgage rates here. We go through how bad credit affects the deals and lenders available to you, what your options are & more.
How Much Mortgage Deposit Do I Need with a CCJ?
Find out how much you need in mortgage deposit with a CCJ on your credit file. We explain the impact CCJs can have on your mortgage, your options & more here.
Bad Credit Mortgage Lenders
Think bad credit mortgage lenders might be the best option for you? Learn about these lenders and how to get a bad credit mortgage in our guide.
Mortgages for Discharged Bankrupts
Can you get mortgages for discharged bankrupts? Learn about how bankruptcy affects your mortgage options and what steps you can take to secure the best deal.
Debt-to-Income Ratio
Want to learn what a debt-to-income ratio is, how lenders use it for mortgage calculations and how it impacts your mortgage options? Read our guide to find out.
Shared Ownership Mortgages with Bad Credit
Can you get a shared ownership mortgage with bad credit? Learn about how bad credit affects your mortgage options, how to improve your credit and more.
Mortgages for First-Time Buyers with Bad Credit
Looking to get a mortgage for bad credit as a first-time buyer? Learn how bad credit affects your mortgage options and what you can do to secure the best deal.
Can I Get a Right to Buy Mortgage if I Have Bad...
Can I get a Right to Buy mortgage if I have bad credit? Find out in our guide. We explain how Right to Buy works and how bad credit affects your application.
How to Build Your Credit Score for a Mortgage
Want to build your credit score for a mortgage? We’ll explain how to improve your credit score, how lenders assess your eligibility, how long it takes and more.
Contractor Mortgages with Bad Credit
Can you get a contractor mortgage with bad credit? Yes – it can be more difficult but it’s certainly possible with the right lender. Find out more in our guide.
Getting a Second Mortgage with Bad Credit
Wondering whether getting a second mortgage with bad credit is an option? Find out here. We go through how second charge mortgages work & what you can do.
Mortgages After Payday Loans
Can you get a mortgage after payday loans? Find out here. We explain how payday loans affect your mortgage options and how to secure the best deal.
Can I Get a Mortgage If I Have No Credit History?
Learn about how to get a mortgage with no credit history in our guide. We discuss why you might not have credit history, how to build your score, and more.
Does an IVA Affect Your Credit Score?
Learn all about how an IVA affects your credit score, what this means for your mortgage options and how to rebuild your credit score in our guide.
How to Get a Mortgage With Good Income but Bad...
Learn about getting a good income bad credit mortgage in our guide. We explain what your options are & how to improve your chances of securing a better deal.
Understanding Your Credit Report
Want to understand your credit report? We’ll explain what a credit score is, why it’s important, what can negatively affect your score and more.
Specialist Mortgage Advice
Our team of mortgage specialists are on hand to offer you independent advice, no matter how complex. Get in touch today and speak to one of our experts or request a call back.