Not all lenders are the same — here’s who’s most likely to help.
If you’ve had a CCJ, default, DMP, or just a poor credit score, you might be wondering which lenders will actually consider your application.
The answer? A mix of specialist lenders, building societies, and flexible high-street banks — and your chances depend on matching up with the right one.
🏦 Specialist Lenders That Help with Bad Credit
These lenders focus specifically on customers with adverse credit histories:
- Bluestone Mortgages
- Pepper Money
- Kensington
- Aldermore
- The Mortgage Lender (TML)
- Vida Homeloans
They’re not always available on comparison sites — you’ll usually need to apply through a broker.
🧱 Flexible Building Societies
Smaller regional lenders can sometimes offer great flexibility:
- Darlington BS
- Buckinghamshire BS
- Newcastle BS
- Leek United BS
They take a more manual approach to underwriting, which helps if your situation doesn’t fit a neat box.
🏛️ High Street Banks (in limited cases)
Some high street names may accept minor issues like:
- Late payments
- Low credit scores
- Old, settled defaults
But they’re unlikely to lend if your credit issues are recent or severe.
🧠 Why You Need a Broker for Bad Credit Mortgages
Many of the lenders above:
- Don’t deal directly with the public
- Have unique criteria not published online
- Use manual underwriting that a broker can guide you through
💬 Let Me Match You to the Right Lender
The right lender could mean the difference between “yes” and “computer says no.” I’ll assess your situation, scan the market, and find the best match — without wasting your time.
✅ Access to bad credit specialist lenders
✅ Help presenting your case the right way
✅ Honest answers with no false hope