Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Bad credit mortgages can help borrowers secure a mortgage even if they have experienced financial difficulties in the past. Many people assume that a poor credit history automatically means they will be declined for a mortgage, but this is often not the case.
While some lenders apply strict criteria, others take a more flexible approach and assess applications based on the overall circumstances rather than focusing solely on past credit issues.
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Your home / property may be repossessed if you do not keep up repayments on your mortgage.
Last Updated: 9th June 2026
At ABC Mortgages, we help clients across Kent and the surrounding areas secure mortgage solutions tailored to their individual situations.
Whether you have experienced missed payments, defaults, a County Court Judgment, or even bankruptcy, our advisers can help you understand your options and identify lenders who may be willing to consider your application.
Bad credit mortgages are designed for borrowers who have experienced adverse credit events that may make it more difficult to obtain a mortgage through mainstream lenders. While there is no specific mortgage product called a “bad credit mortgage”, there are lenders who specialise in helping applicants with less-than-perfect credit histories.
Every lender assesses risk differently. Some may be willing to accept historic credit issues provided they occurred several years ago, while others may consider more recent problems depending on factors such as your deposit size, affordability, and current financial conduct. This means that having bad credit does not automatically prevent you from becoming a homeowner or remortgaging your existing property.
Yes, it is often possible to obtain a mortgage even if you have bad credit. The outcome depends on the type of credit issue, how long ago it occurred, the size of your deposit, and your current financial position.
Many lenders recognise that circumstances change. A missed payment during a difficult period several years ago may be viewed very differently from ongoing financial difficulties today. Lenders will often look beyond your credit score and consider the wider picture, including your income, employment status, and ability to afford the mortgage going forward.
For this reason, specialist advice is particularly valuable. Approaching the wrong lender can result in unnecessary declines, whereas selecting a lender whose criteria matches your circumstances can significantly improve your chances of success.
Not all adverse credit is viewed in the same way by mortgage lenders. Some issues are considered less severe than others, and the age of the issue can be just as important as the issue itself.
Borrowers who have experienced mortgage defaults may still have options available, particularly where the default occurred several years ago and there have been no further problems since. Likewise, applicants looking for a mortgage with missed payments may find that lenders are willing to consider their application if the missed payments were isolated incidents and their finances have since improved.
For more serious credit events such as bankruptcy, lender options can become more limited, but securing a mortgage after bankruptcy is often still possible depending on when the bankruptcy was discharged and the applicant’s current financial position.
Understanding how lenders assess different types of credit issues is one of the most important parts of securing a successful mortgage application.
When reviewing bad credit mortgage applications, lenders consider far more than just a credit score. They want to understand the story behind any adverse credit and assess whether the issues are likely to affect future mortgage repayments.
Lenders will typically review the type of credit issue, when it occurred, and whether there have been any further problems since. They will also assess affordability by reviewing income, expenditure, employment status, and overall financial stability.
Deposit size can also play an important role. A larger deposit may improve lender confidence and increase the number of products available. Equally important is demonstrating positive financial conduct since the credit issue occurred, such as maintaining payments on existing commitments and managing accounts responsibly.
Deposit requirements vary depending on the lender and the severity of the adverse credit. In some cases, mortgages may be available with relatively modest deposits, while more serious or recent credit issues may require a larger contribution.
Generally speaking, the stronger your deposit position, the more options are likely to be available. A larger deposit reduces the lender’s risk and can improve access to more competitive mortgage products. However, every case is different, and specialist lenders often assess applications individually rather than relying on rigid criteria.
Being a first-time buyer can feel challenging enough without the added concern of a poor credit history. Fortunately, many lenders are willing to consider first-time buyers with adverse credit, provided affordability is strong and the circumstances surrounding the credit issue are understood.
While options may be more limited than for borrowers with perfect credit, homeownership is often still achievable. The key is identifying lenders whose criteria are suited to your situation and presenting your application correctly from the outset.
Bad credit does not only affect homebuyers. Many existing homeowners worry that adverse credit will prevent them from securing a better mortgage deal when their current product comes to an end.
In reality, remortgaging with bad credit is often possible. Depending on your circumstances, you may be able to switch lenders, secure a new product with your existing lender, or explore specialist options. Seeking advice early can help ensure you avoid moving onto a higher standard variable rate unnecessarily.
While every lender is different, there are several steps that can help strengthen a bad credit mortgage application. Maintaining all current credit commitments, ensuring you are registered on the electoral roll, reducing outstanding debt where possible, and checking your credit report for inaccuracies can all have a positive impact.
Most importantly, obtaining professional mortgage advice before applying can help ensure your application is directed to lenders who are most likely to consider your circumstances favourably.
At ABC Mortgages, we provide specialist advice on bad credit mortgages across Sittingbourne, Maidstone, Canterbury, Medway, and throughout Kent. We understand that every client’s circumstances are different, and we take the time to understand your situation before recommending suitable options.
Whether you are purchasing your first home, moving property, investing in buy-to-let, or looking to remortgage, our advisers are here to help you navigate the process with confidence.
At ABC Mortgages, we understand that bad credit does not define your future. Our advisers have extensive experience helping clients with a wide range of credit issues and have access to lenders who take a more flexible approach to underwriting.
We provide straightforward, jargon-free advice, carefully assess your circumstances, and guide you through every stage of the mortgage process. Our aim is to help you secure the most suitable mortgage while making the journey as smooth and stress-free as possible.
If you’re concerned that your credit history may affect your ability to secure a mortgage, we’re here to help. At ABC Mortgages, we provide clear, confidential advice and access to lenders who understand that financial difficulties can happen.
Contact ABC Mortgages today to discuss your bad credit mortgage options and take the next step towards homeownership with confidence.
Yes, many lenders will consider applicants with bad credit depending on the type of issue, how long ago it occurred, and your current circumstances.
Yes, some lenders will consider applicants after bankruptcy, particularly if it has been discharged and your finances have improved since.
In many cases, yes. Options will depend on your circumstances and the nature of the credit issues involved.
Deposit requirements vary by lender and credit profile, although a larger deposit can often improve your options.
Yes, first-time buyers with adverse credit may still be able to secure a mortgage with the right lender and advice.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.