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 pleased all staff very helpful. would use again.
    andrew richards
  • excellent service megan was a delight to deal with
    NEIL S
  • easy and very quick,got a good deal thanks
    Mr Whiting
  • Excellent service..
    Olalere
  • I really cannot fault Mortgagekey at all. From start to finish the staff were helpful and gave good advice, as well as keeping me updated with regard...
    marie baldwin
  • Really great efficient service with great product sourced
    Claire Parker
  • We had difficulty obtaining and mortgage and further difficulty completing our remortgage but Mortgage Key supported us every step of they way. They ...
    Laura-Joy Tallett
  • First class,quick,efficient and friendly.
    Paul Galluccio
  • Lots of communication throughout, very efficient company.
    Billy
  • Mortgagekey were fantastic in helping me and my partner with securing mortgage on our new home. Georgia Hardcastle was superb from professional point ...
    Mr T
  • Very fast efficient service
    David
  • Karl Rayne was excellent, he found me a super deal and kept me up to date at every step of the way. Thanks.
    Nicole Varwell
  • Good communication from Mortgagekey, and so far so good, all seems to be going well. Would have no hesitation in recommending Mortgagekey.
    Wendy Wright
  • Wonderful service. As a first time buyer I would not hesitate to recommend. Thank you !!!
    Michael Spaul
  • As always, this is the second time I have used Mortgagekey. Everything is always seamless. There is no stress. Everything ticks along nicely in the ba...
    Catherine Howard
  • Efficient , great customer service and an easy process.
    Leila
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
    Amy

Trusted by our clients

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