Bad Credit Mortgages Made Possible
Having a poor credit history does not mean homeownership is out of reach. At Mortgage-Tek, we work with specialist lenders who look beyond your credit score. Whether you’ve faced defaults, CCJs, missed payments, or bankruptcy, our expertise helps you secure the right mortgage with confidence and clarity.
We work with more than 120 mortgage lenders, including
Understanding the Challenge
Overcoming Barriers with Bad Credit
A history of missed payments, CCJs, or defaults often makes securing a mortgage difficult with high-street lenders. Many borrowers face limited options and higher costs. At Mortgage-Tek, we specialise in connecting clients with lenders who take a broader view of affordability. Your credit score is not the only factor considered — your income, deposit, and overall financial profile matter too.
Your Estimated Borrowing Amount
How We Can Help
Tailored Mortgage Solutions for Every Situation
We specialise in helping clients with less-than-perfect credit.Â
Our services include:
First-Time Buyers
We help first-time buyers with past credit challenges secure a mortgage by working with specialist lenders who understand unique financial histories and affordability.
Remortgages
Even with adverse credit, we can help you remortgage to access better rates, release equity, or reduce monthly repayments through carefully tailored solutions.
Buy-to-Let Mortgages
Whether you’re an experienced landlord or starting out, we connect you with lenders who support buy-to-let mortgages for clients with imperfect credit records.
Debt Consolidation
We assist in consolidating multiple debts into a single, affordable mortgage repayment, making your finances easier to manage and improving long-term stability.
With direct access to specialist lenders and clear, transparent advice, we make complex mortgage cases achievable.
Types
Types of Bad Credit We Cover
At Mortgage-Tek, we understand that financial challenges happen, and specialist lenders often take a more flexible view than high street banks.
With the right guidance, you may still be able to secure a mortgage—even if your credit history includes serious issues.
Here are the types of bad credit we commonly help clients with:
County Court Judgements (CCJs):
A CCJ doesn’t end your mortgage chances. With specialist lenders, a strong application can still be accepted.
Defaults:
Past defaults may not stop you—many lenders focus on affordability and how you’ve managed credit since the issue.
Late Payments:
Missed payments on bills or credit agreements don’t have to hold you back; lenders often assess the bigger picture.
Individual Voluntary Arrangements (IVAs):
Whether you’re in an IVA or recently discharged, there are lenders who work specifically with these cases.
Bankruptcy:
Discharged bankruptcy doesn’t always mean rejection; some lenders provide mortgage solutions tailored for this situation.
Payday Loans:
A history of payday loans isn’t the end of the road—responsible management since then can help keep your options open.
Why Choose Mortgage-Tek for Your Bad Credit Mortgage?
When it comes to securing a mortgage with a less-than-perfect credit history, you need a broker who understands the challenges—and has the right solutions. At Mortgage-Tek, we combine expertise, market access, and transparency to give you the best chance of approval.
Here’s what sets us apart:
Specialist Lender Network
We work with a wide panel of specialist lenders who regularly consider applications that high street banks often reject.
Tailored Solutions
Every client’s situation is unique. We take time to understand your credit history and find a mortgage that truly fits your needs.
Clear and Honest Advice
We believe in transparency—no jargon, no hidden surprises, just straightforward guidance at every step of the process.
Support at Every Stage
From application to approval, our team stands by your side, helping you present the strongest possible case to lenders.
Proven Experience
With years of expertise in helping clients with adverse credit, we know what works and how to get results.
Competitive Rates
Exclusive mortgage deals designed to maximise your borrowing power and save you money.
Contact Us
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Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Question
Can I get a mortgage with CCJs or defaults?
Yes. While many high street lenders may decline applications, specialist lenders can still consider you—especially if the credit issues are older or settled.
How much deposit do I need with bad credit?
The deposit required depends on the severity of your credit history. In many cases, lenders ask for 15%–30%, but some may accept less.
Do bad credit mortgages come with higher rates?
Typically, yes. Lenders charge slightly higher rates to offset risk. However, with the right broker, you can still secure a competitive deal.
How long does bad credit stay on my record?
Most adverse credit issues, such as CCJs or defaults, remain on your credit file for six years. After this period, they are removed.
Can I remortgage if I have adverse credit?
Absolutely. Many lenders are open to remortgaging, even if you’ve had credit issues. It can also help improve your financial situation.