Your mortgage options with a bad credit score
Need a mortgage and have bad credit? You can count on us. Our proven record and reputation for securing mortgages for contract workers and the self-employed, is unmatched. We’re here to support you.

Navigating mortgages with adverse credit
Securing a mortgage in today’s market can be a hurdle, particularly for those with a history of “adverse credit” or what’s commonly known as bad credit. Adverse credit refers to past financial difficulties, such as missed payments or defaults, that negatively impact your credit report and your ability to get a mortgage from high street lenders.
As specialist brokers, we understand the nuances of this market, offering guidance and support to secure the best possible outcomes for our clients.
Bad credit should never be a permanent barrier to getting a mortgage

Understanding bad credit and its impact on your mortgage options
Bad credit generally equates to a low credit score – a three-digit figure reflecting your financial history over the past six years. Lenders use this score to assess risk, and a lower score can make borrowing more difficult. Ironically, having no credit history can also pose challenges.
Adverse credit includes issues such as missed payments, defaults, County Court Judgements (CCJs), Individual Voluntary Arrangements (IVAs), or bankruptcy.

Can you still get a mortgage with bad credit?
Yes, it’s absolutely possible. Bad credit isn’t an insurmountable barrier to homeownership.
The impact of your credit history depends on several factors: the specific credit issue, when it occurred, the amount of money involved, and the circumstances surrounding it. A single late payment from two years ago carries less weight than a recent bankruptcy.
This is where the right mortgage broker can help you.
We're here to help
Got questions or need assistance? We’re here to help. Whether you’re looking for mortgage advice, have specific queries, or just want to discuss your options, our expert team is ready to assist you. Reach out using the form here, and we’ll get back to you as soon as possible. Let’s connect and start making your homeownership goals a reality.
To speak to an adviser, please call us on 020 8421 7999
Why Freelancer Financials?
Navigating the mortgage landscape with bad credit requires specialist knowledge and expertise. Mainstream lenders typically have rigid criteria, but specialist brokers, like us, have access to a wider range of lenders, including those who take a more understanding view of individual circumstances.
We can also secure you better rates – while interest for adverse are typically higher, we can help you find the most competitive options available.
Here’s how we help:
Market knowledge
We deeply understand the criteria of various lenders, identifying those most likely to approve your application despite your credit history.
Personalised solutions
We assess your unique situation, presenting your case in the best possible light to the right lenders.
Access to specialist lenders
We work with lenders who specialise in adverse credit mortgages, offering more flexible terms and rates.
Guidance and support
We guide you through the entire mortgage process, from initial assessment to final approval, ensuring you understand every step.
Credit report understanding
We can help you understand your credit report from Experian, Equifax, Checkmyfile and TransUnion, and explain how each bureau uses slightly different scoring systems.
How much can I borrow?

Bad credit mortgage lenders
If you have minor blips in your credit history, we will initially attempt to secure you a mortgage with a mainstream lender. If you credit history is more severe and needs to be presented to a specialist lender, we have great relationships with the following bad credit mortgage lenders:
Aldermore, Atom Bank, Bluestone Mortgages, Bucks Building Society, Darlington, Foundation Home Loans, Kensington Mortgages, Mortgages, Pepper Money, The Mortgage Lender (TML), Vida Home Loans and many more.
Finally, navigating mortgages with adverse credit requires specialist knowledge and expertise. By working with us, you can access a wider range of options, receive personalised guidance, and improve your chances of securing a suitable mortgage despite past credit challenges.
Ready to secure the mortgage you deserve?
Don’t let past financial difficulties dash your homeownership dreams. Contact us today for a free, no-obligation consultation and let us help you navigate the path to securing a mortgage that’s right for you.