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Bad Credit Mortgages with The Mortgage Geezer

Expert help from bad credit mortgage specialists

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Stop worrying and get moving

Are you worried that poor credit history will stop you from buying a home? Do you think that your credit file and poor credit score makes it impossible to get a mortgage? Stop worrying and get in touch with The Mortgage Geezer today. My team and I are here to take the stress out of getting a bad credit mortgage.

We believe in making life simple. You won’t find loads of jargon. Just straightforward answers to your questions about getting a mortgage with a bad credit history.

We don’t judge you on your credit history. We’re just interested in working with you and our bad credit mortgage lenders to find you a great deal. Whatever the issue, talk to us and discover why we’re the only bad credit mortgage broker you need.

Bad Credit Mortgages

What Our Clients Say

5.0 Stars - Based on 10 Customer Reviews

Why Choose The Mortgage Geezer?

Painless Process

I make it simple to apply for a mortgage

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Bad Credit Mortgages

Can I get a mortgage with bad credit?

It would be a lie to say it isn’t more difficult to get a mortgage if you have an adverse credit history, but it’s by no means impossible. It’s even easier if you come to us at The Mortgage Geezer. We know about mortgages for people with bad credit. 

Thanks to our great relationships with mortgage lenders for bad credit we’ve helped lots of people just like you buy a house or remortgage, even though their credit history is far from perfect. What’s more, because we’re whole-of-market independent mortgage brokers, we’re not tied to a tiny panel of lenders like some banks and building societies. Meaning you get more choice and more chance of finding a mind-blowing mortgage.

Need advice? Call 01234 923603 to speak to The Mortgage Geezer

Lines Open: Mon-Thu: 9am – 5pm, Fri: 8am – 1pm.

The difficulty of getting a mortgage with bad credit

Bad credit mortgage loans can be trickier to find than so-called normal mortgages because of how lenders process applications. When you apply for a mortgage, you’ll be asked to demonstrate that you can pay back the mortgage by proving how much you have coming in and out each month. Lenders will also check your credit score, and this is where things can get messy.

If you have a poor credit score, lenders will be worried that you won’t pay your mortgage back. It might not seem fair, but if you’ve got into difficult financial situations in the past, lenders think you might have trouble again in the future.

What type of issues might mean I need a bad credit mortgage?

Credit issues that could affect how easy it is for you to get a mortgage include:

  • Bankruptcy
  • Defaults
  • CCJs (County Court Judgements)
  • IVAs (Individual Voluntary Arrangements)
  • Missed Credit Card and Utility Bill Payments and Payment Defaults
  • Debt Management Plans
Bad Credit Mortgages
Bad Credit Mortgages

How are bad credit mortgages different from other mortgages

Bad credit mortgages behave the same as any other mortgage. In fact there aren’t really any such things as ‘bad credit mortgages’. What there are, are mortgages arranged for applicants with a poor credit history. You might however find a difference in the amount of deposit you have to pay or the interest rates on your mortgage.

Bad credit mortgage rates tend to be higher, and lenders usually want a larger deposit than for other mortgages, as they’re not prepared to lend you as much.

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How can The Mortgage Geezer help?

At The Mortgage Geezer we have a team dedicated to making the tough challenges look easy. Our straightforward approach to getting specialist mortgages for people in difficult circumstances makes us the best people to go to for adverse credit mortgages. We offer a completely personal service that takes you through every step of the application process. We explain without complicated language exactly what’s happening so that you can relax.

We also know what lenders are looking for. Not all bad credit score mortgage lenders are the same and they don’t all judge applicants on the same criteria. So when we’re looking for a bad credit mortgage company for your mortgage application, we understand which ones are likely to be the most sympathetic to your particular circumstances. This gives us, and you, a greater chance of success. 

Need advice? Call 01234 923603 to speak to The Mortgage Geezer

Lines Open: Mon-Thu: 9am – 5pm, Fri: 8am – 1pm.

Bad credit mortgage FAQs

THINK CAREFULLY ABOUT SECURING DEBTS AGAINST YOUR HOME.  YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS