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Bad Credit Rating

A specialist non standard mortgage advisor arranges remortgages and mortgages for people with bad credit history.

Providing you can put down a reasonable deposit and you meet affordability criteria, your bad credit history needn't prevent you from securing a mortgage.

The choice of mortgages for people with bad credit is limited as high street lenders often use automated credit scoring procedures which tend to block anyone with a blip on their credit file. Thankfully some specialist lenders cater for people who have experienced past financial difficulties. They examine each application on a case by case basis and take the approach that financial issues of the past don't always reflect the future.


A remortgage is the process of switching your current mortgage to another lender. More and more people are remortgaging in order to:

No Obligation - Free Quotations

To get a free no obligation quote from an independent mortgage broker who has access to the whole of the market in the UK, simply complete our no obligation enquiry form

You'll receive advice on the best deals for you. Quotations are FREE, so it costs you nothing to see what your options are.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. is a marketing website providing background and editorial content which may be of interest to those people who are looking for assistance due to adverse credit history. is a trading style of First 4 London Ltd which is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority number 450731. First 4 London Ltd, registered in England and Wales company registration number 04147068. Registered office: Brook House, Mint Street, Godalming, Surrey GU7 1HE. VAT registration: 810007494. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

All enquiries are dealt with by an FCA regulated mortgage broker who specialises in assisting borrowers who are regarded as non standard such as those with a background of poor credit. The details of the broker will be confirmed to you on screen once you complete the enquiry form. The initial consultation is free and without obligation. Should you proceed, the broker may charge a fee for their service up to 1%. The broker will provide you with details before you commit.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at

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