Poor Credit Mortgages
You can still take out a mortgage even if you have a low credit score or no credit score. We can help.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
Quick answer
Can I get a mortgage with poor credit?
Some lenders may consider applicants with missed payments, defaults or court judgments, depending on the details and how recent they are. Options may be more limited and rates higher. Tony can check which lenders may consider your circumstances.
Availability and criteria vary and nothing is guaranteed.
A decision in principle is not a guarantee. See why it can happen and what to do next →
Tony Flynn Mortgages
When it comes to poor credit mortgages, no credit or low credit it is important to make sure you explore all of the options with someone who can provide you with the correct guidance.
We realise that some situations need a specialist service. A mortgage is never guaranteed, even with a good credit history, but with us on your side when you are buying a property (including as a first-time buyer) or remortgaging, you have an experienced adviser with you every step of the way. We can help you review your options and find a suitable deal. Not sure what you could borrow? Try our how much can I borrow calculator.
Did you know that there are multiple credit reference agencies used by lenders? You can get a snapshot of multiple credit reference agencies by using Check My File. They perform a multi-agency search that provides a snapshot of different agencies and how they view your credit. You can check your credit with Check My File (please read their terms and conditions, as fees may apply), and we can go through the results with you as part of our advice process. Contact us to find out more.
The volume of mortgages that we complete puts us in a very strong position in the market and helps us keep up to date with market trends. We have access to thousands of mortgage deals to help find one that suits you.
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Commission will be paid by Check My File to Tony Flynn Mortgages which is a trading name of Clear Mortgage Solutions Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited. Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited do not receive a share of this commission and has no direct affiliation with Check My File.
Not sure where you stand?
Every situation is different. Speak to Tony and we can look at your credit history and options with you, so you know what may be possible before you apply. You can also read about our mortgage advice in Lanarkshire and across Scotland. We also help sports professionals with career-specific mortgage needs.
Speak to Tony
“Thanks for all your help. The process was so quick and efficient, would totally recommend your services to others.”
Becky Wyles