Low Credit Score Mortgages

 See how our mortgage advice service can help you. We’re here to help you overcome a low credit score or credit history problems

We’re rated Excellent on Google – We’ve got you covered

Author: Will Walton - Mortgage Advisor, Founder

Updated: February 23, 2023

 Here’s everything you need to know about getting a mortgage if you have a low credit score. This also applies if you have had credit history problems. See how we can help you get your mortgage sorted below.

Understand your budget with a Decision in Principle

A decision in principle is also called an “agreement” or “mortgage” in principle. They all refer to the same thing which is an initial yes from a mortgage lender. This is here to give you an idea of what you can expect to borrow so you can understand your budget for buying your  home. This is the best place to start.

A decision in principle will also allow you to see what mortgage rates you are eligible for. This helps you can understand your potential mortgage monthly repayments. This will help you understand your finances for any home you buy.

Many estate agents will ask to see a decision in principle if you would like to place an offer on a property. This acts as a way of showing the agent you can likely afford to buy the property and that you are a serious buyer. Remember, you can use any mortgage advisor you like, even if they suggest otherwise.

Getting a mortgage with a County Court Judgement

 A County Court Judgement can have an impact on the options available. it doesn’t mean it’s the end of the road for your mortgage chances though.
It will depend on how long ago the CCJ was registered and if it has been settled or not. the older the CCJ is, the better. It also helps your mortgage chances if it is settled too.

Can I get a mortgage if I have had a Default?

Getting a mortgage with defaults depends on several factors. These are things like the recency, value and, number of defaults. These will have an impact on the options available as well as your wider credit history. Whether the defaults have been satisfied can also matter in some cases.

Been declined by a lender already?

We’re here to help. Many of our clients come to us in this situation too. Find out what options are available to you 

How much deposit will I need for a mortgage with a low credit score?

This will depend on several things  such as:

  • Your credit history
  • Your income 
  • The property you are looking at buying 

We’re here to help you understand exactly how much deposit you can expect to need. In some cases your credit history can mean mortgage lenders will require you to use a higher-than-average deposit. We can help advise on the exact mortgage options available to you so you have clarity when it comes to your budget.

Our Fee-Free promise to you

 We don’t charge you a penny for our service. Our mortgage advice service is free to use. This is because like most mortgage brokers, we receive a payment from the lender. This happens when your mortgage completes. We choose not to charge a fee on top of this. This is to save you as much as possible on your mortgage deal, with unbiased and fee-free mortgage advice.

Rated Excellent by our clients

Will has been an amazing.

 He has been there throughout my home buying processing going out of his way to help. He found me a great mortgage deal which met my requirements and he was there to answer all my mortgage and home buying questions. He is very professional, great communication , honest and knowledgeable.He has made my house buying journey seamless and I couldn’t be more grateful.

Margaret – Google Review

An awesome service from beginning to end.

Will is just amazing. He helped me through the process of re-mortgaging under complex circumstances every step of the way. He responded swiftly to every enquiry and gave me the confidence that everything was under control. I would recommend his services to anyone as he really knows what he is doing and got me the best deal possible. Thanks Will

Jennifer – Google Review

Continuously goes above and beyond to give the best service

I have spoken to many mortgage advisors and Will by far is the most thorough, detailed, approachable and available individual that I have had the privilege of working with. He is very transparent, helpful and continuously goes above and beyond to give the best service to his customers. Thank you Will for looking after me. It has been great working with you.

Hamid – Google Review

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