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Bad Credit Mortgages in London

Paving Your Way to Home Ownership

Struggling with bad credit, thinking that owning your own home is impossible? Donโ€™t worry, help is at hand! We are A Little Mortgage Advice, your trusted experts in bad credit mortgages in London. We tailor our services to suit the circumstances of all borrowers, and you can benefit from our access to every major lender in the UK.

Here is everything you need to know about what makes us the leading specialists in bad credit mortgages London has to offer, and how we are ready to help you make your dream of owning your own home a reality.

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Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it



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Get a credit report to help give you the best chance of getting the right mortgage.
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*A Little Mortgage Advice receives a small fee from checkmyfile. Monthly fee of ยฃ14.99 applies after your free 30-day trial. You may cancel at any time without charge by Freephone, Secure Message, email or online. The free 30-day trial applies only to new customers aged 18 years or more who are living in the UK. The 30-day free trial period starts when you register.


Bad Credit

County Court Judgements (CCJs)
Defaults
Missed/Late Payments
Debt Management Plan (DMP)
Too many hard searches 
Excessive borrowing/large amount of debt
An Individual Voluntary Arrangement (IVA)
Debt Relief Order (DRO)
Bankruptcy

If you answer yes to any of the above you may think that it is not possible to be accepted on a mortgage application.

But with A Little Mortgage Advice we can help find you a mortgage to fit your circumstances.

How We Can Help

As a specialist independent mortgage advisor we work with lenders who specialise in bad credit mortgages.

There are a wide range of specialist lenders with specific eligibility criteria who may suit your circumstances.

Our team at A Little Mortgage Advice will discuss your situation and advise you on the best solution for you to proceed with a mortgage.


Why Choose A Little Mortgage Advice?

Specialist Advisor

We are a specialist independent mortgage advisor. This means that we work with all lenders and search the whole market to find you the correct mortgage product.

Personalised Service

As a small independent company you will be speaking directly to a mortgage advisor. We dedicate the same time to every client.

5 Star Reviews

Every client and phone call is important to us. We pride ourselves on offering a 5 star service every-time.

No Obligation Quote

We offer a free no obligation quote and great advice throughout.


What is a Bad Credit Mortgage?

A bad credit mortgage in London is for those with poor or limited credit history. If you have a less-than-desirable credit score and try to secure a mortgage, a lender will consider you a higher risk and put certain terms in place to mitigate that. So, you may see higher interest rates and a larger upfront deposit on these mortgages. The great news is that lenders are more open-minded than they have ever been, and more people than ever are able to secure a bad credit mortgage with the help of our expert team.

Why Choose a Bad Credit Mortgage in London?

A bad credit mortgage isn’t in itself โ€˜badโ€™! In fact, it has a wide range of short and long-term benefits. You will be able to get on the housing ladder sooner rather than later. If you donโ€™t have a lot of time to work with to improve your credit score, taking that leap now will allow you to buy your own home and then improve your credit score over time. Paying off your mortgage actually helps you to do that, so getting on the housing ladder now can be a big first step in the right direction.

Why Buyers Choose A Little Mortgage Advice

Our bad credit mortgage London team are caring and compassionate, and believe that everyone should be given a fair chance to own their own home. We start by getting to know you and gaining a solid understanding of your circumstances. Once we have all the information we need, we will then present your application to our pool of all the lenders in the UK. Working with a broker like us gives you a higher chance of securing the perfect mortgage, and we will keep you updated at every stage.

Find Out More Today

To find out more about bad credit mortgages in London and how we can help you, please get in touch with the A Little Mortgage Advice team today! We canโ€™t wait to hear from you and get your journey to owning a home in the capital started.

FAQs

What do I need to disclose when applying for a bad credit mortgage?

Applying for a mortgage isnโ€™t just about what you earn and the size of your deposit. A lender will also look at your spending – and in your case, likely any debts that you have as well. Theyโ€™ll want to know about your outgoings – so tell us about things like childcare, paying off finance on a car and how you are repaying any debts.

Itโ€™s important to be as honest and transparent as possible when you apply for a bad credit mortgage, as that will allow us to find one that is going to be the right fit for your current situation.

Could my credit score be inaccurate?

We often assume that a credit score is always right, but sometimes there can be errors. Thatโ€™s why we encourage you to be as vigilant as possible and check your credit history often. Then, you can take steps to remedy any inaccuracies. Common causes of credit report errors are:

  • Incorrect account information as a result of identity theft
  • Previous housemates or ex-partners still being linked to you
  • Closed accounts showing as open accounts
  • Duplicate accounts
  • Incorrect payment history

It can be frustrating dealing with errors on your credit report, but it is important to get them fixed as soon as possible so you can proceed with your mortgage application.

What if you canโ€™t find me a bad credit mortgage in London?

We pride ourselves on being able to find bad credit mortgages in London for buyers with all kinds of credit scores. We take a highly personalised approach to each client and work hard to find you mortgages that meet your needs.

Sometimes, as rare as it might be, that doesnโ€™t work out. In the event of us not being able to find you a mortgage, you will not have to pay us a single penny. So, you can proceed with total peace of mind when you choose us! If things donโ€™t work out, you will not find yourself out of pocket at all.


The Benefits of Working with a Mortgage Broker for Bad Credit Applicants