Bad Credit Mortgages

Dismissed due to bad credit? We'll help you make a fresh start

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Mortgage Enquiries

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Mortgages Accepted

Worried about debts, poor credit ratings or previous mortgage issues?

We can help you overcome these problems and make a fresh start, from consolidating debts into one easier monthly payment and securing a mortgage you can afford.

Why Choose MortgageKey for Bad Credit Mortgages

Great offers at speed

Our advisors are available 9am-8pm Mon-Fri and Saturday 9am-3pm and ready to source offers at speed

We’re Bad Credit experts

Our team  will provide quality advice based on your personal circumstances, finding a specific product suited to you.

We’re completely independent

We’ve no tie-ins with certain lenders. As we’re fully independent and unbiased our focus is solely on finding the best option for you.

Pay nothing until completion

There's no obligation on the deals we find and we won’t ask for any payment until your mortgage deal is complete

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Bad Credit Mortgages - Your Questions Answered

Here at MortgageKey, our industry experts take the time to compare and search through thousands of deals from leading bad credit mortgage providers.

Even if you have a poor credit history and have been rejected in the past, our team will find a deal for you.

What is Bad Credit?

You can judged to have bad credit for many reasons – it can even be just because you do not have a credit history at all!

A history of late or missed payments on bills or other mortgages can also lead to bad credit ratings, as can county court judgements (CCJs) or being declared bankrupt.

Could Bad Credit stop me getting a mortgage?

Such factors were previously seen as flaws and you would be refused a mortgage outright. However, lenders are now more open to assessing each case before making a decision and at MortgageKey we have a brilliant track record of finding lenders in these circumstances.

How does a Bad Credit Mortgage work?

Bad credit mortgages are much like a standard mortgage. The only real difference is that they are designed for anybody with a previous poor credit history, or those who have found it difficult to get approved for a mortgage in the past. One of the best things about bad credit mortgages are the variety in which they come. Selecting from fixed rate, variable rate or discounted rates. Rates are adapted according to each individual circumstance and a deal is then packaged to suit.

How can I improve my Bad Credit rating?

A quick solution would be to pay off your debts by increasing the minimum payment or paying a lump sum. This demonstrates positive behaviour to prospective lenders.

Consolidating your debts into one manageable monthly payment, as part of the Bad Credit Mortgage agreement is another option, and one we have helped many people do at MortgageKey, bringing more financial stability to their lives.

What our clients are saying

  • Zoe and Sally were both really professional but friendly. They are a credit to your company.
    Iain Pay
  • World class service from Day 1 to completion. Highly recommended. In particular the service from Georgia Hardcastle and Olivia Russell was fantastic -...
    Paul Hennessy
  • Great service from start to finish and good terms too. Hoping the solicitors are as good now completing the process.
    Paul H
  • Great team did everything spotlessly and didn’t have to be chased up
    Dale Sutherland
  • Excellent service and trusted help So efficient
    Mrs Diane Brown
  • Very efficient service from start to finish. Communication was exceptional and was always informed and guided every step of the way
    Michael Newbery
  • 5 Star Service
    John Kleinman
  • They have been so helpful every step of the way they have always been quick to rely to every email I’ve sent them. And help me get a decision in pri...
    Mr Terry Mcdonald
  • Quick and efficient service.
    Nic Phipps
  • Very helpful assistant. Straight swap and terms I was looking for, saved a few quid a month
    Bob hope
  • Great fast and friendly service
    Neil
  • I have been dealing with Georgia Hardcastle at Mortgage Key, she is so helpful and have explained everything to me. I am a first time buyer and I was ...
    Pedro Amaral
  • Extremely professional service and courteous staff.
    Mr. Michael Rundle-Brown
  • Mortgagekey are an excellent mortgage broker service. Secured a mortgage with a high street lender within 4 weeks from DIP to full offer. Our case was...
    A&C
  • Brilliant service, can’t fault
    Aimi Buchanan
  • My broker Rory was able to get me a mortgage where others had failed.A credit to the company.
    John Wilkinson
  • We recently used Mortgage Key. Everything was straight forward and done quickly, from the initial quote to receiving the mortgage offer we were kept...
    customer
  • A really good service, Quick and efficient, no stress at all. Knowledgeable staff, who were a pleasure to deal with. I would recommend them and defini...
    philippa Wall
  • Very professional and friendly approach. They managed to find a mortgage which matched all our requirements. Great service! Thanks a lot!
    MJ
  • Great service from the beginning of the process.
    Bruno Cabral

Trusted by our clients

Ready to talk? Speak to an expert today: 0800 077 8980