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

  • Very efficient service and achieved what we were looking for
    S FRANCIS
  • I had a missed payment on my record and all major lenders turned down my application. Mortgagekey helped me get a mortgage and got accepted, underwrit...
    Peter M
  • Customer service was amazing start to end, made the whole process very easy.
    Nisar Ahmed
  • We have been talking to Mortgage Key in regards to our first mortgage. Although we have not finished the process, we are extremely happy with the serv...
    Ashleigh
  • You provided me very good and impressive service, very nice staff.
    Mj Li
  • Excellent service, very helpful! Im a first time buyer and mortgage key helped me understand the process and explained everything to me, would recomme...
    valerie
  • Having been through this process a few times, my experience with MortgageKey was excellent. Leona spent the time to understand my requirements, which ...
    Amie
  • I can’t recommend this company enough. Claire was awesome in coming back to me with options and within 48hours I had a agreement in principle. Mort...
    A Patel
  • The whole process was smooth and we are very happy.
    Ian Jeavons
  • Amazing service they work hard to get you the best deal. Our case worker Leonie was fantastic. A service worth every penny. Highly recommended.
    Stephen and james
  • Fantastic service- simple to use and found us a great deal! Would highly recommend
    Sarah
  • I contacted you on line and found your service to be excellent, fast and efficient
    TAJDIN CHARANIA
  • Over the phone Application for Life insurance: agreeable member of staff, very professional, I was absolutely satisfied with the way this was conducte...
    Roxane Keabou
  • I found Linda to be highly efficient, focused & offered lots of time with explanation every step of the way. Linda worked to my pace & made herself a...
    customer
  • Very easy and accessible service. Excellent advice and knowledge. As a first time buyer the support was outstanding. The communication has been above ...
    Stephanie E
  • Fantastic service.
    Louise
  • Very friendly. Responded quickly kept us upto date all the time. Would recommend.
    Kathleen Walpole
  • Looking for a mortgage broker during the uncertainty of the pandemic was nerve-wracking. After contacting MortgageKey, I knew from the first call that...
    Roxane Keabou
  • Great service very helpful.
    Sar
  • Extremely happy with the service! Will use again!
    Amit Patel

Trusted by our clients

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