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Mortgage & Equity Release - Call Us 0117 403 4474

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Poor Credit Mortgage Lenders

UK Mortgage rates are at all time lows!

See below for a selection of leading poor credit mortgage providers or use our independent mortgage advice service to compare the market.

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 3.05%
Rate type: Fixed 24 months
Monthly cost: £1072.84 per month
Max LTV: 75%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Kensington logo 3.05% Fixed 24 months 4.3% APRC 75% £999 £1072.84 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.05%
Rate type: Fixed 24 months
Monthly cost: £1072.84 per month
Max LTV: 75%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Kensington logo 3.05% Fixed 24 months 4.3% APRC 75% £999 £1072.84 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.07%
Rate type: Fixed 24 months
Monthly cost: £1075.19 per month
Max LTV: 75%
Product fee: £1,145
Overall cost for comparison: 4.8% APRC
Pepper Money logo 3.07% Fixed 24 months 4.8% APRC 75% £1,145 £1075.19 per month get quotes Call us0117 403 4474
Initial rate: 3.09%
Rate type: Fixed 24 months
Monthly cost: £1077.54 per month
Max LTV: 75%
Product fee: £1,999
Overall cost for comparison: 4.4% APRC
Kensington logo 3.09% Fixed 24 months 4.4% APRC 75% £1,999 £1077.54 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.09%
Rate type: Fixed 24 months
Monthly cost: £1077.54 per month
Max LTV: 75%
Product fee: £1,999
Overall cost for comparison: 4.4% APRC
Kensington logo 3.09% Fixed 24 months 4.4% APRC 75% £1,999 £1077.54 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.09%
Rate type: Fixed 24 months
Monthly cost: £1077.54 per month
Max LTV: 75%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Kensington logo 3.09% Fixed 24 months 4.3% APRC 75% £999 £1077.54 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.09%
Rate type: Fixed 24 months
Monthly cost: £1077.54 per month
Max LTV: 75%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Kensington logo 3.09% Fixed 24 months 4.3% APRC 75% £999 £1077.54 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.10%
Rate type: Fixed 60 months
Monthly cost: £1078.71 per month
Max LTV: 75%
Product fee: £1,145
Overall cost for comparison: 4.4% APRC
Pepper Money logo 3.10% Fixed 60 months 4.4% APRC 75% £1,145 £1078.71 per month get quotes Call us0117 403 4474
Initial rate: 3.15%
Rate type: Fixed 24 months
Monthly cost: £1084.61 per month
Max LTV: 75%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Kensington logo 3.15% Fixed 24 months 4.3% APRC 75% £999 £1084.61 per month get quotes Call us0117 403 4474 More details
Initial rate: 3.15%
Rate type: Fixed 24 months
Monthly cost: £1084.61 per month
Max LTV: 75%
Product fee: £999
Overall cost for comparison: 4.3% APRC
Kensington logo 3.15% Fixed 24 months 4.3% APRC 75% £999 £1084.61 per month get quotes Call us0117 403 4474 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Poor Credit Mortgage Lenders

Mortgage service if you have poor credit

Special features of what we offer include:

  • Whole of market service - we work with leading UK poor credit mortgage lenders
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have credit providers who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To compare your mortgage options if you have a previous poor credit history call our mortgage team on 0117 403 4474 or fill in our call back form.

Poor Credit Mortgage Lenders

Poor Credit Mortgage Lenders

If you’re in the market for a mortgage or perhaps a remortgage you might be worried that you will not be able to do so as the result of an adverse credit history.

Having bad credit does not necessarily preclude you from being able to get a mortgage however and there are a range of poor credit mortgage lenders who have specialist finance options.

In recent years the big high street lenders have become more reluctant to lend to applicants who pose a higher level of risk as a result of their credit profile, that is not to say someone with bad credit cannot get a mortgage from a mainstream lender, someone with a minor infringement on their credit history who took charge and quickly rectified the problem and has subsequently maintained a good track record of keeping up to date with their payments may be able to secure a mortgage with one of the big high street lenders.

There are also specialist poor credit mortgage lenders who have specialised mortgage plans for applicants with bad credit, some of these providers however are only available via a professional intermediary and cannot be applied for directly by a borrower.

If you would like to see what poor credit mortgages might be available you can use the Fair Mortgages comparison calculator.

You just need to enter your relevant details and select ‘Bad Credit Rates’ the calculator will then be able to generate a selection of mortgages from different providers which may be available to people with bad credit, you can then compare and contrast their different features and fees to see if you can decide which you might prefer.

Poor credit mortgages generally exist in bands with there being different options available, they can range from plans to people who have previously only missed one or two payments to specialist mortgages for people who have County Court Judgements on their file or people who have previously been bankrupt or had a property repossessed.

As lending to people with poor credit holds an increased risk to the lender, poor credit mortgages do tend to be more expensive than their standard counterparts, many lenders may also require a larger deposit, of course the larger deposit you can give the better interest rates available to you will be.

When applying for a mortgage with a bad credit history, try and provide as much evidence as possible to the lender that you can afford to keep up with your repayments as this may improve your chances of being accepted.

If you want to find out more about poor credit mortgage lenders then you could fill in the online contact form on this website to request a call back from a member of the Fair Mortgages team who can offer you a free initial conversation about poor credit mortgages.

Our advisers can also access specialist mortgage lenders who are not on the high street who can only be contacted by a professional intermediary - Call us on 0117 403 4474 or request a callback.

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