Poor credit mortgages
If you’ve had credit problems in the past, you’re not alone - and it doesn’t mean you can’t get a mortgage. Life happens, and we understand that. In fact, we love helping people who need our support the most. Whether it’s missed payments, defaults, CCJs or just a low credit score, we’ll listen without judgment and look at your full picture. With access to specialist lenders and years of experience, we’ll do everything possible to help you confidently move forward.
Finding a mortgage with poor credit
If your credit score isn’t perfect, you’re not alone — and it doesn’t mean you can’t get a mortgage. Life happens, and things like missed payments, defaults, or old credit issues don’t have to stand in the way of owning a home.
At KeyFS, we specialise in helping people find the right mortgage, even when their credit history isn’t spotless. We’ll take the time to understand your situation, explain what lenders will look for, and match you with the ones most likely to say yes.
It might mean exploring specialist lenders who take a more flexible view of past credit problems, or finding a deal that helps rebuild your credit over time. Whatever the route, we’ll be honest about your options and make sure you understand everything clearly from the start.
Call today to book a poor credit consultation 024 7632 2000
Let's start with your mortgageability
Mortgageability is a quick way to understand how likely you are to be approved for a mortgage based on your income, outgoings, credit history, and other personal details.
We will ask you:
- Who you are and where you live
- Affordability, spending habits, and any existing loans.
- About your credit history and your challenges
We will also run a full credit check to understand which lenders will entertain an application so that we do not waste anytime or worsen your credit profile.
One of the key benefits of doing this free check is that we can provide you with a mortgage certificate. This gives you peace of mind when viewing properties, knowing what you can afford, and it shows estate agents that you’re a serious buyer, ready to move forward when the right home comes along.
Book a free appointment to learn what your mortgageability is.
Finding a mortgage with poor credit
If your credit history isn’t perfect, you’re not alone — and it doesn’t mean you can’t get a mortgage. Life happens, and sometimes things like missed payments or defaults leave a mark. But the good news is, there are still plenty of options.
With access to over 100 lenders and more than 10,000 mortgages, we know exactly which ones specialise in helping people with an impaired credit record. Yes, these lenders may charge a little more at first — but it’s not forever.
Our aim is to get you started on the path to home ownership. Once your credit profile has improved, we can look to remortgage you to a High Street lender with more competitive rates and products. It’s all about progress, not perfection — and we’ll be with you every step of the way.
Clarity and transparency
We know that mortgages and moving home can raise a lot of questions — and at KeyFS, we believe in clear, honest answers. Our transparent approach means no hidden surprises, just good, old-fashioned trusted advice from people who genuinely want to help.
Take a look at some of the most common questions we’re asked below.
A larger deposit can sometimes make it easier to get accepted with poor credit, but it isn’t always essential. A broker can help find lenders who will consider smaller deposits.
Having missed payments, defaults or CCJs doesn’t always mean you can’t get a mortgage. There are lenders who specialise in helping people with less-than-perfect credit.
Not all lenders deal with poor credit cases, and applying to the wrong one could hurt your score further. A broker can match you with the right lender first time, saving stress and protecting your credit file.
Lenders often look at how long ago the issues were. If your problems were several years back and your finances are now stable, you may have more options than you think.
You don’t always have to wait years. Some lenders will consider your application now, depending on the type and severity of your credit issues. A broker can explain your chances and guide you through.
Let's talk...
Your enquiry will be handled by a fully qualified local mortgage and protection adviser, who will be available to speak with you at any time.
Contact us
Why not start things off by answering these 4 quick questions? We’ll then share some useful insights with you, and when the time feels right you can chat with one of our advisers for more personalised guidance.