--- title: "Mortgages for Bad Credit: How to Get Approved and Buy a Home | Alexander Financial Solutions" description:   Mortgages for Bad Credit If you have a poor credit history, getting a mortgage can seem challenging—but it’s not impossible. Many people ... image: https://www.alexanderfinancialsolutions.co.uk/hubfs/Imported_Blog_Media/Debt-Help.jpg --- [Skip to content](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/03/mortgages-for-bad-credit-how-to-get.html#main-content) [![APF Logo-1](https://www.alexanderfinancialsolutions.co.uk/hs-fs/hubfs/APF%20Logo-1.jpg?width=1099&height=600&name=APF%20Logo-1.jpg)](https://www.alexanderfinancialsolutions.co.uk) - [Blog](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights) - [Home](https://www.alexanderfinancialsolutions.co.uk/) Open main navigation Close main navigation - [Blog](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights) - [Home](https://www.alexanderfinancialsolutions.co.uk/) - [Contact us](https://www.alexanderfinancialsolutions.co.uk/contact) [Contact us](https://www.alexanderfinancialsolutions.co.uk/contact) Mar 31, 2026, 12:00:00 AM # Mortgages for Bad Credit: How to Get Approved and Buy a Home [Admin](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/author/admin) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/03/mortgages-for-bad-credit-how-to-get.html) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/03/mortgages-for-bad-credit-how-to-get.html) [Twitter icon](https://twitter.com/intent/tweet?url=https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/03/mortgages-for-bad-credit-how-to-get.html) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/03/mortgages-for-bad-credit-how-to-get.html) [envelope icon](mailto:?body=https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/03/mortgages-for-bad-credit-how-to-get.html)   # **Mortgages for Bad Credit** **[![](https://www.alexanderfinancialsolutions.co.uk/hs-fs/hubfs/Imported_Blog_Media/Debt-Help.jpg?width=443&height=239&name=Debt-Help.jpg)](https://www.alexanderfinancialsolutions.co.uk/hubfs/Imported_Blog_Media/Debt-Help-1.jpg)** If you have a poor credit history, getting a mortgage can seem challenging—but it’s not impossible. Many people with bad credit successfully secure home loans by working with the right lenders and taking steps to improve their financial profile. In this guide, we’ll cover how to get a mortgage with bad credit, what lenders look for, and how to boost your chances of approval. ## **Can You Get a Mortgage with Bad Credit?** Yes, it is possible to get a mortgage even if your credit history isn’t perfect. While some high-street banks may be reluctant to lend, there are specialist lenders who consider applications from people with past financial difficulties. The key is understanding how lenders assess risk and what you can do to improve your position. ## **What Affects Your Ability to Get a Mortgage?** Lenders consider several factors when reviewing a mortgage application, including: - **Missed or Late Payments** – Falling behind on credit cards, loans, or household bills can negatively impact your credit score. - **Defaults & CCJs** – A County Court Judgment (CCJ) or loan default may make mainstream lenders hesitant, but other lenders may still consider your application. - **Debt Management Plans (DMPs) & IVAs** – If you’ve entered into a repayment plan, some lenders may still approve a mortgage, especially if the plan is completed. - **Bankruptcy** – Although bankruptcy stays on your record for several years, some lenders offer mortgages after a set period has passed. - **High Credit Utilisation** – Using a large percentage of your available credit can signal financial strain to lenders. ## **How to Improve Your Chances of Getting a Mortgage** If you have bad credit, taking the following steps can increase your chances of getting approved: ### **1. Check Your Credit Report** Obtain a copy of your credit report from agencies like Experian, Equifax, or TransUnion. Review it for errors and dispute any incorrect information. ### **2. Improve Your Credit Score** - Pay bills on time to build a positive payment history. - Reduce outstanding debt where possible. - Avoid making multiple credit applications in a short period. - Register on the electoral roll at your current address. ### **3. Save a Larger Deposit** Lenders are more likely to approve your application if you can provide a larger deposit (e.g., 15-20%). A bigger deposit reduces their risk and may help you secure better interest rates. ### **4. Work with a Specialist Mortgage Broker** A mortgage broker experienced in bad credit applications can help you find lenders willing to consider your circumstances. They have access to lenders not available on the high street. ### **5. Show Stable Employment and Income** Lenders prefer applicants with a steady income and job history. If you’re self-employed, providing several years of accounts can strengthen your application. ## **What Types of Mortgages Are Available for Bad Credit?** Depending on your financial situation, you may have different mortgage options: - **Bad Credit Mortgages** – These are designed for people with poor credit and may require a larger deposit. - **Guarantor Mortgages** – A family member agrees to cover repayments if you can’t, increasing your chances of approval. - **Joint Mortgages** – Applying with a partner who has good credit can improve your chances of getting a better deal. ## **Final Thoughts** Getting a mortgage with bad credit may require extra effort, but it’s achievable with the right approach. By improving your credit score, saving a larger deposit, and working with a specialist mortgage broker, you can increase your chances of buying a home. If you need expert advice, **Alexander Financial Solutions** can help. We specialise in finding mortgage solutions for people with bad credit. **Contact us today** to explore your options and take the first step toward homeownership. ## Related posts [![](https://www.alexanderfinancialsolutions.co.uk/hs-fs/hubfs/Imported_Blog_Media/base-rate-vs-inflation-2020-mobile-2x-2.png?height=200&name=base-rate-vs-inflation-2020-mobile-2x-2.png)](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/06/why-are-fixed-rate-mortgage-prices.html) ## [Why Are Fixed Rate Mortgage Prices Rising Even as the Bank of England Base Rate Falls?](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/06/why-are-fixed-rate-mortgage-prices.html) [Admin](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/author/admin) Jun 6, 2026, 12:00:00 AM [Read more](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/06/why-are-fixed-rate-mortgage-prices.html) [![](https://www.alexanderfinancialsolutions.co.uk/hs-fs/hubfs/Imported_Blog_Media/rates%20and%20floods-1.png?height=200&name=rates%20and%20floods-1.png)](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2026/02/the-2026-refinancing-gap-navigating.html) ## [The 2026 Refinancing Gap: Navigating a Mixed Mortgage Market](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2026/02/the-2026-refinancing-gap-navigating.html) [Admin](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/author/admin) Feb 23, 2026, 12:00:00 AM [Read more](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2026/02/the-2026-refinancing-gap-navigating.html) [![Awards logo](https://www.alexanderfinancialsolutions.co.uk/hs-fs/hubfs/Award%20logo.png?height=200&name=Award%20logo.png)](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/alexander-financial-solutions-named-best-mortgage-broker-in-england-wales-2026) [awards](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/tag/awards) ## [Alexander Financial Solutions Named "Best Independent Mortgage Broker in England & Wales" 2026](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/alexander-financial-solutions-named-best-mortgage-broker-in-england-wales-2026) [Admin](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/author/admin) Aug 18, 2026, 4:48:57 PM We are thrilled to announce that Alexander Financial Solutions has officially been awarded Best... [Read more](https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/alexander-financial-solutions-named-best-mortgage-broker-in-england-wales-2026) --- Alexander Private Finance is a trading style of Alexander Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority. Firm FCA registration number 825960. Registered in England No. 11365305. There may be a fee for mortgage advice. Our fees and charges vary depending on the Services we provide to you. We typically charge a fee of £795, or up to 3% of the loan amount, depending on your circumstances. For Lifetime mortgages,and specialist property finance we typically charge a fee of £995. Ask for a personalised illustration.  The FCA does not regulate some investment mortgage contracts. **Your property may be repossessed if you do not keep up repayments on your mortgage.**   Copyright © 2026, ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Admin", "url" : "https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/author/admin" }, "dateModified" : "2026-08-18T15:19:00.355Z", "datePublished" : "2026-03-30T23:00:00.000Z", "headline" : "Mortgages for Bad Credit: How to Get Approved and Buy a Home | Alexander Financial Solutions", "image" : [ "https://www.alexanderfinancialsolutions.co.uk/hubfs/Imported_Blog_Media/Debt-Help.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.alexanderfinancialsolutions.co.uk/property-finance-insights/2025/03/mortgages-for-bad-credit-how-to-get.html", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.alexanderfinancialsolutions.co.uk/hubfs/APF%20Logo.jpg" }, "name" : "Alexander Private Finance" } } ```