Can I still get a mortgage if my credit rating is bad?

There are mortgage plans out there to suit people in a whole range of financial situations and so if your credit score is less than perfect, don’t worry, the chances are that there is a product out there for you.

If you do have a bad credit score, while you will likely still be able to get some kind of mortgage, you may not be able to benefit from the best deals; you’ll probably be offered slightly higher than average interest rates, or maybe a lower LTV ratio. This is just to reflect the increased risk that the lender is taking by allowing you to borrow money with a less than perfect track record of repaying in the past. Speak to us first as this is an area we specialise in.

Call us today on 020 3002 0933 to find out more.

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Finance 4 Homes Limited is an Appointed Representative of Beneficial Life (London) Limited, which is authorised and regulated by the Financial Conduct Authority.
You may be charged a fee for mortgage advice which could be up to 2% of the loan. The precise amount will depend on your circumstances but we estimate it to be 0.75% of the loan amount. Registered in England and Wales no.11215166. Registered office: Spectrum House, 2b Suttons Lane, Hornchurch, Essex RM12 6RJ The information on this website is intended for guidance purposes only and does not constitute advice. Furthermore, the information on this website related to the UK market for consumers living in the UK only.

Special Note: Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE