Think You Can’t Get a Mortgage with Bad Credit? Think Again.
A lot of people believe that bad credit automatically shuts the door on homeownership. It doesn’t.
In reality, it’s entirely possible to get a mortgage—even if you’ve had missed payments, defaults, CCJs, or even a bankruptcy in the past. The key is knowing where to look, which lenders are flexible, and how to present your application in the best light.
Let’s bust some of the biggest myths holding people back.
❌ Myth 1: “I Can’t Get a Mortgage Because I’ve Got Bad Credit”
Truth: Plenty of specialist lenders cater to people with bad credit. Whether your issues are recent or years old, it’s not a dead end. A mortgage broker who understands this area can guide you to lenders who actually say “yes”.
❌ Myth 2: “Only Perfect Credit Scores Get Approved”
Truth: Your credit score is just one piece of the puzzle. Lenders also look at income, deposit size, job stability, affordability, and how you’ve handled money recently. A specialist broker helps present your whole situation—not just your score.
❌ Myth 3: “I Need a Huge Deposit if I’ve Got Bad Credit”
Truth: While some lenders do require larger deposits (typically 15–30%), there are options from 10%—and occasionally lower. A broker will know who’s most lenient based on your circumstances.
❌ Myth 4: “Payday Loans Mean I Can’t Get a Mortgage”
Truth: Payday loans do raise red flags with some lenders, but they don’t instantly disqualify you. If they’re in the past and your finances are stable now, you could still be approved. Timing and lender choice matter.
❌ Myth 5: “I’ll Just Get Rejected So What’s the Point?”
Truth: Applying to the wrong lender might get you rejected—but applying through the right broker gives you the best chance of success. You only need one “yes”.
✅ How a Broker Can Help You
- Access to specialist lenders not on the high street
- Expert knowledge of who’s open to your credit profile
- Advice on timing and steps to boost your approval chances
- A smoother, less stressful process
📞 Speak to a Specialist in Bad Credit Mortgages
You’re not alone. We’ve helped people just like you find a way forward.
✅ No judgement
✅ Honest, expert advice
✅ Lenders who understand real-life credit issue
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