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

  • I went from not thinking I could get a mortgage, to mortgage approved in 2 weeks, and at a rate I never thought possible! The service provided by Jami...
    customer
  • Very well organised and friendly . Told us upfront what to expect and what it was gonna cost . Very honest with what they tell you . Always keeping yo...
    Oliver Cole
  • I was dealing with Jamie Money for my remortgage enquiry great communication, Kept me informed throughout the process and managed to save me money! wi...
    Michele Clark
  • Would highly recommend they were very helpful and it was a very easy process 👍👍
    Carl Dean
  • Great good quick service thank you
    Dale Bromell
  • The service I received from Matt was first rate. Sorted out a deal in very quick time with no fuss. I would strongly recommend this company.
    Mr Brandon
  • I have recently been dealing with Jamie Melling and it has been nothing but straight forward from the start. He has been very informative, answering a...
    Lauren
  • What a fantastic company this is so helpful and willing to go the extra mile to get things done Jamie money,Meghan,Rebecca and Olivia are amazing I wo...
    Emma Gregory
  • Good service so far.
    CAROLINE HAYNES
  • This was my second property, but same comments as the first one. The chap I was dealing with, Karl, was great and very helpful. We got a good result...
    Jeffrey Peyton-Bruhl
  • We just want to thank Callum for being amazing. We honestly could not have asked for a better mortgage advisor, he put up with us calling all the time...
    Jessica Boyle
  • Callum was excellent highly professional and very approachable, I would definitely recommend the company to anyone that I know Shazad
    shazad
  • kept in touch every step of the way. always responded quick to emails and my questions. kept in the loop constantly on each step of the process. fr...
    Hayley Reay
  • Very easy to deal with, good communication and service. Got me a mortgage with a high street lender when other brokers said they couldn’t.
    Mark Tomlinson
  • Morgage key have communicated with us through out, if they have only just checked to say Hi and if there was anything they could do Whilst waiting fo...
    Heather Twigg
  • Easy to deal with. Quick and efficient. Great customer service. Mortgage to meet my needs and a competitive rate. Also sorted life insurance too. Hig...
    Diane Franklin
  • The second time we have used mortgage key now and we are really happy. It was great to deal with Karl again, he gave us solid advice and we had a laug...
    Daniel Conelly
  • Super fast great comms will use again
    customer
  • Fantastic service. Offer issued within a week.
    Charlotte D
  • Great service, good communication and on the ball! I would recommend to a friend to use MortgageKey, helpful and polite. Thank you!
    Ann-Marie Smith

Trusted by our clients

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