KB Logo
Get Free Consultation

Bad Credit Mortgage

Missed payments or a low credit score? We help real people secure the right mortgage – without the judgement.
Book your free consultation now!
Young happy couple came to an agreement with their mortgage broker. Focus is on man shaking hands with the agent.

Whole of Market Broker

We are proud to have access to over 100 different lenders across the UK, ensuring we match our clients to a lender best suited to their unique circumstances.

… plus many more

What Is a Bad Credit Mortgage?

A bad credit mortgage is designed for people who have experienced financial difficulties in the past. If you’ve had missed payments, defaults, CCJs, IVAs, or even bankruptcy, traditional high street lenders might turn you away. That’s where specialist bad credit mortgages come in. These mortgages work differently from standard ones. Specialist lenders look at your whole financial picture, not just your credit score. They understand that financial setbacks happen and focus more on your current situation and ability to make payments going forward.
Book your free consultation now!
a person sitting with a pile of bills and overdue credit cards

What Our Clients Say

Most of our customers come from recommendations by our own existing customers, which is a testament to our level of service, communication and commitment to helping you obtain the right mortgage.

Karl has been amazing throughout the process of starting to look at properties, making offers and completing the applications for my mortgage, solicitors and insurances. Highly recommended – thank you Karl for all your help! :)

Carla Brimelow

My friends recommended Karl, and they were right to as I’m now recommending him to everyone else. Great guy and made things very straightforward for us in the process of buying our first house.

Edvard Calyj

I’ve been using KB Mortgage Solutions for a very long time. Always first class service – efficient and professional – highly recommend.

Hayley Henry

Can’t recommend Karl enough, he initially got me my first mortgage after years of travelling and the banks saying I’ve been off the radar. I’ve used Karl ever since, getting me the best deal at the time and sorting it out. Thanks

Chris Pendleton

Karl knows his stuff and really great at keeping you in the loop. He has made the process very easy and he is effecient.

Jessica

Helped me buy my first house. Very helpful and efficient service. Would recommend to anyone looking to get a mortgage.

Tom Sawyer

How Bad Credit Mortgages Differ

You’ll typically need a larger deposit, usually between 15-25% depending on your circumstances. Interest rates are also higher than standard mortgages because lenders are taking on more risk. However, this isn’t permanent. After a few years of consistent payments, many people can remortgage to better rates while improving their credit score at the same time. Our remortgage advisors can help you switch to better deals once your credit improves.

Common Questions Around Bad Credit Mortgage

Can I get a mortgage with recent defaults?

Yes. Age, amount, and settlement status matter. Many lenders consider settled defaults older than 12 months, sometimes sooner with higher deposit. Even if you have no deposit saved yet, explore our no deposit mortgage options to see what's possible.

Do you run hard credit checks?

We start with soft checks where possible; a hard check usually happens at full application.

Will I pay higher fees?

Specialist cases can involve higher rates/fees. We’ll present options transparently before you decide.

Why Pick Us For Bad Credit Mortgage

At KB Mortgages, we offer whole-of-market access, including specialist lenders who understand bad credit situations.

Our advice is fully FCA-regulated and tailored to your individual circumstances, with clear, honest communication at every stage. There are no hidden fees or false promises—just straightforward guidance from an adviser dedicated to supporting you from start to finish. We’ve already helped hundreds of clients secure mortgages after defaults, CCJs, and missed payments, and we can help you too.

KB Mortgage Solution logo displayed against a black background, with neatly stacked piles of paper on a wooden table, creating a professional and organized financial workspace setting.

Free Consultation

Late or missed payments in the last 24 months?
Defaults/CCJs on file?
High credit utilisation and payday loans?
Thin or patchy credit history?

For a completely free and confidential discussion, complete this form to send us your details. We’ll get back to you within a few hours to discussion your unique situation and how we might be able to help.

Terms and Conditions