Mortgages Types > Poor / Bad credit mortgages

Poor / Bad credit mortgages

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Even of you have a poor or bad credit history, First Mortgage can find a deal to suit you. Whether you have CCJs, bankruptcy, arrears or defaults, bad credit mortgages are available with dozens of lenders throughout the UK. We can help you to get the very best rates possible, and we won’t charge you anything for our service. If you find a better bad credit mortgage deal, we will happily match it and pay twice the difference for the first year - guaranteed!
Apply for a poor/bad credit mortgage with First Mortgage

What is a bad credit mortgage?

Most lenders take into account evidence of a poor credit history. This means that some will not be prepared to offer you a mortgage if you have a bad credit record. However, many specialist lenders will consider lending to you, even if you have examples of arrears, defaults or even bankruptcy in your past. You may have to pay a slightly higher rate than someone with good credit history, as the lender will see it as a larger risk to lend the money. With First Mortgage you can find the best possible deal and minimise the penalty for bad credit history.

Other types of mortgage...

You can find out more about other types of mortgage through First Mortgage. Even if you have a bad credit history, we may be able to help you arrange one of the following deals:

- Debt consolidation mortgages - Help alleviate financial pressures by consolidating your debts

- 100% mortgages - mortgage deals that require no deposit

- 125% mortgages - Borrow more than the house value to pay for stamp duty, renovations etc.

- Equity release mortgages - Use the value of your home to release cash in a lump sum, or instalments

- Self-certification - A different way to arrange a mortgage if you are unable or unwilling to prove income

- Shared equity mortgages - The lender receives a share of the equity and receives a percentage of the on-sale of the house

- Homestake - Government scheme to help people on a low income afford a house

- Right to Buy - An initiative that allows you to buy your council home at a discount price

Apply for a poor/bad credit mortgage with First Mortgage

Call us on 0845 603 1525 for a free consultation with one of our friendly and experienced team. We are happy to discuss your situation and help you choose the best option.



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