Bad Credit Mortgages

Do you need a minimum credit score for a mortgage in the UK? Here we explain how credit history can affect the mortgage deals available and what your options are.

Checkmyfile is a credit report service. On this page, we discuss how it works, how it compares to other credit reference agencies, the effects of bad credit and more.

It is possible to get a mortgage with a CCJ, but your options will depend on factors such as whether the CCJ has been paid, how old the CCJ is and the size of it, etc. Learn more here.

Credit card debt can limit your mortgage options by negatively impacting your affordability and indicating poor money management habits to the lender. Learn more here.

You can get a mortgage after payday loans, or even potentially while one is still active, but you'll likely find your mortgage options limited or the maximum LTV availabled capped to a lower amount.

Bad credit mortgage rates tend to be higher than normal interest rates. Bad credit mortgages may also come with stricter criteria, such as higher deposit requirements. Here's what you need to know.

Most mortgage lenders will look back at the last 6 years of your credit history. This is because your credit report has a life cycle of 6 years. Learn more here.

You can get a mortgage as a first-time buyer with bad credit, however your options might be limited due to lender deposit requirements and criteria. Here's how it works.

It can be harder to get a shared ownership mortgage with bad credit than good credit, as the options available may be limited. Here's how to get the best bad credit deal.

You can get a joint mortgage with one bad credit applicant and one applicant with good credit, but the deals available will likely be negatively impacted and limited by the bad credit applicant.