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Poor or Bad Credit Mortgages

What is a bad credit mortgage?

If you have had CCJs, bankruptcy, arrears or defaults in the past bad credit mortgages may still be available and we can advise you on the options available, and we won’t charge you anything for our service.

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, there are specialist lenders who 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:

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.

Further mortgage and property resources: UK Government Consumer Information | Financial Services Authority | BBC Your Money | Council of Mortgage Lenders | Citizens Advice Bureau

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE FIRST MORTGAGE IS A TRADING NAME OF FIRST MORTGAGE DIRECT LIMITED WHICH IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY IN ENGLAND AND WALES YOU MAY BE REFERRED TO AN ADVISOR FROM FIRST MORTGAGE (NE). FIRST MORTGAGE (NE) IS A SEPARATE ENTITY AND IS A TRADING STYLE OF M&R FM LTD, WHO ARE AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY