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Mortgages For Bad Credit Applicants

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Mortgage360 are here to help you make the right choice.

Here at Mortgage360 we pride ourselves on offering tailored advice, coupled with great service. We are mortgage experts, so you can rest assured that you are in safe hands when searching for your new mortgage, whatever your situation may be.

Key Benefits

We are committed to guiding you through one of life's most significant financial decisions.

When it comes to securing the right mortgage, our expert team is here to ensure that you make informed choices tailored to your unique needs.

We can put together a package including insurance services to match your individual requirements.
We’ll work with you to improve your credit rating.
We’ll use our knowledge of the mortgage market to access appropriate lenders.

Owning your own home is an aspiration for most people, but if you have a poor credit history, it may seem to be a dream which will never become a reality. So exactly what is meant by bad credit? It means you have issues on your credit file, and may therefore be viewed by lenders as a greater risk.

A low credit score is usually seen as bad credit, and you can have a bad credit history for many different reasons:-

  • Credit cards or loans in arrears, with late or missed payments
  • Missed mortgage or rent payments
  • County Court Judgements or Defaults
  • Bankruptcy
  • Use of Payday loans
  • IVAs (Individual Voluntary Arrangements)
  • Debt Management Plan (DMPs)

At Mortgage360, our specialist team can help. Different lenders assess suitability based on different factors. We can help you work to improve your credit history, alongside applying our detailed knowledge of the market for bad credit mortgages to help you secure the right loan with the appropriate lender.

What is a bad credit mortgage and/or mortgage broker?

Don’t lose hope! Although mainstream lenders are often less flexible in their approach when outlining their criteria for acceptance for people with a poor credit rating, enlisting the help of a mortgage advisor with the knowledge and expertise to access other lenders who will be more sympathetic to your situation will help.

At Mortgage360, our specialist bad credit mortgage brokers will provide advice on how to take simple steps to improve your poor credit rating. We’ll take the time to listen and understand your individual situation. We’ll use our in-depth knowledge of the market to find the right lender for you, and we’ll work with you to complete the necessary paperwork to optimise your application.

  • There are a number of implications for people with bad credit when seeking to secure a mortgage.
  • You will probably be expected to put down a bigger deposit
  • The deal you secure may be less competitive, with higher interest rates
  • It’s important to accept that you may be turned down completely, dependent on your credit record

If you’ve been declined by your bank and the high street lenders for adverse credit reasons, talk to Mortgage360. We have good relationships with specialist lenders and will always give honest and practical advice to help you move forward.

How can Mortgage 360 help you

We pride ourselves on giving honest and practical information. Our specialist team has experience in securing bad credit mortgages, with access to more specialist lenders who will be sympathetic to your application, with the right professional support.

We’ll be with you every step of the way, advising you on how to improve your personal circumstances so you’re viewed in a better light, as well as working with you to complete the necessary paperwork to your advantage. Overcoming a bad credit score and building an improved credit record does take time, but we can also advise on some simple steps which will make an immediate difference.

  • Make sure you’re on the electoral roll. You are required by law to register to vote, and the electoral roll is accessed by credit reference agencies
  • Make sure your name is on at least some of your household bills, and ensure these are paid on time
  • Pay your credit card bills on time, even if it’s just the minimum amount, and try not to withdraw cash using your credit card or use payday lenders
  • Don’t make frequent credit applications, these will impact on your credit report

Remember that after six years, most adverse credit items disappear from your credit report – even CCJs and debt management plans. Closing past and dormant accounts may help your record. Many mortgage products for people with bad credit are only available through specialist mortgage brokers and advisers. Talk to us honestly and we can be clear about your situation to the lenders when we’re making an application on your behalf.

At Mortgage360, we stay in touch. We will review your situation and advise if, after time, we could move you to a more mainstream product with cheaper interest rates.

The Mortgage360 process

Mortgage360 offers friendly, impartial and professional advice, with no obligation. We avoid the jargon and provide you with relevant, straightforward and honest advice, based on your individual situation and preferences.

We listen – total transparency is vital! We’ll provide you with a completely bespoke service, advising you on the most relevant products for you. We can also devise a portfolio of accompanying products such as life and income protection insurance, based on your budget and your family circumstances. We work remotely, providing our services to clients right across the UK.

Step One – We get to know you. We listen to what you need, so we can recommend the right products

Step Two – We build a profile of your needs, and then we search our panel of lenders to find the right products to match your requirements

Step Three – We worry about the paperwork – we go through everything in detail with you, then once you are completely happy with everything, we make the arrangements for you

A brief intro to the team

Our service doesn’t end there. We keep in touch, checking the products you have to continue to meet your needs as your personal and financial situation changes with time. If you would like a no-obligation chat to discuss your personal requirements, contact Mortgage360 today.


– What is a bad credit mortgage?

Bad credit or adverse credit mortgages work just like any other mortgage in practice, except they may be more difficult to secure, will come with higher interest rates and deposit requirements as well as lower limits on how much you can borrow and even higher arrangement fees.

– How much deposit do I need for a bad credit mortgage?

You will be viewed as a higher risk by the mortgage lenders when applying for a bad credit mortgage, so you may have to provide a larger deposit in the region of 20-25% rather than the usual 5-10%, depending on how bad your credit profile is, or has been in the past.

– Which lenders offer bad credit mortgages?

This will depend on your personal circumstances. A bad credit mortgage broker will advise accordingly.

– What if I am a first time buyer with bad credit?

The same rules apply. Bad credit mortgage lenders will look at why you have bad credit, when it happened and how you resolved the issues. As an example, missed or late payments won’t be viewed in the same light as a more serious issue like a CCJ. Our mortgage specialists can advise.

– How about self employed people with bad credit?

It’s a challenge to get a mortgage with adverse credit, but not impossible, and the right bad credit mortgage broker can help, guiding you and advising on your application. Contact Mortgage360 for a no-obligation chat.

Mortgages For Bad Credit Applicants

Here at Mortgage360, we can provide expert advice on all your mortgage and insurance needs.

Whether you’re ready to get started on your journey now, or you’d just like a no obligation consultation, we’d love to hear from you…

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There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, however we estimate this to be between £200 and £600.


See what our clients are saying....

Zoe Cameron
September 28, 2023

Great service from Mortgage360, following a recommendation from my financial advisor. They efficiently went through our criteria and found the best mortgage to suit our needs. Their comms are great, they kept me fully informed throughout. Thank you Gavin and Matt.

Barnaby Fox
September 14, 2023

Gavin/the team was extremely efficient and communicative through the whole process, resulting in getting a mortgage at a great rate.

Richard Fryer
June 30, 2023

After working with Matt from Mortgage 360 previously on our first mortgage he shows excellent customer service and caters for the needs of the client. Couldn’t be happier working with Mortgage 360 especially in the current climate as the business answers all the questions asked and takes the customers best interests into account.

Samia Umarq
May 15, 2023

Gav arranged my mortgage he was great throughout the process keeping informed, very friendly and knowledgeable highly recommend him.

R Virk
R Virk
May 10, 2023

Excellent service from Gavin Watson

I contacted Gavin Watson, as I was needing to remortgage my property quickly, as my previous fixed arrangement was due to end within weeks. Therefore, there was a sense of urgency on my part. I need not have worried as Gavin was very supportive and professional from the first contact to the completion of the new mortgage arrangement. He took the time to listen and explain all the options I had and guidance on the best option for my particular circumstance. Gavin ensured the remortgage was completed effectively and efficiently, not to mention, well within the timescale. If you are looking for a professional, who has the best interests at heart for his clients, then look no further. I highly recommend Gavin Watson, if you are in the market for a mortgage. Thank you so much Gavin for such an excellent service.

Angela Holder
Angela Holder
May 6, 2023

Great service from Matt for the second…

Great service from Matt for the second time. He was fast to give advice and extremely efficient in obtaining the best possible mortgage. The whole process was smooth and stress free.

Aiden palmer
Aiden palmer
May 4, 2023

Brilliant service!

Brilliant service!! Gavin has helped us so much to get our mortgage and we couldn’t have done it without him. We will definitely use him again in the future. Thankyou so much!

GALE Boyes
April 21, 2023

Absolutely amazing service from Matt can't thank him enough for securing our mortgage for our forever home considering our past credit history. Thankyou again Matt at pulsar. 100% recommend.

Jamie Chan
Jamie Chan
April 4, 2023

Matt continues to provide exceptional…

Matt continues to provide exceptional client services, and is very diligent in searching the market for the best deal. Highly recommended. Thanks, Jamie

Sue Alexander
Sue Alexander
March 16, 2023

I recommend Pulsar to everyone

I would recommend Pulsar to everyone. Gavin has been amazing helping me to buy my council house. As this is my first home purchase and I’m not young!! He made everything easy to understand and made the mortgage mind field easier to navigate, getting me the best deal. I know that ongoing support is there if and when I need it. Thank you Gavin x

David Ian
David Ian
March 3, 2023

Great service, friendly, prompt and professional personal recommendation led us to…

A personal recommendation led us to Pulsar F. S. Matthew Illingsworth was very helpful, prompt and supportive through the process of obtaining a bridging loan to purchase. The documentation explained our options and laid out the process clearly. Would full recommend to others.

Amanda Underhill
Amanda Underhill
February 27, 2023

Remortgage recommendation

Gavin has been absolutely amazing dealing with my remortgage. Professional but personable from the start, he has been able to secure the right mortgage for me and supported me through the process giving impartial advice and a range of options for me to consider. He’s provided timely support, and has been contactable to answer questions as needed - this has been exactly what I needed during a stressful time remortgaging during divorce negotiations. I’d highly recommend Pulsar Financial Services!

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