Bad credit mortgages

Need a mortgage with bad credit? You’re in the right place. We're specialist bad credit mortgage brokers with a proven track record of making mortgages possible for people with bad credit, like you.

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Some banks and mortgage brokers will make you feel like a bad person when they refuse to give you a mortgage. Automated online mortgage advisors won’t judge for themselves. It’s a case of: Bad credit = Computer says ‘No’. We don’t think that’s fair. So we're shining a light on options available for mortgages with poor credit.

We're bad credit mortgage brokers with a proven track record of making bad credit mortgages possible for people like you.

Can I get a mortgage if I have bad credit?

Yes, you can absolutely get a mortgage with bad credit! When you apply for a mortgage, lenders run a credit check against your name to decide your level of ‘risk’. Lenders base all their decisions on risk - the more ‘risky’ you seem, the less likely they are to lend to you, as they’ll assume you’ll struggle to make your repayments. 

Some bad credit issues will have a bigger impact on your chances of getting approved than others. For example, a late payment to your mobile phone company won’t affect you as much as defaulting on a loan or going bankrupt.

If a lender decides you’re a ‘high-risk’ borrower because of bad credit, you could:

  • Be asked to put down a bigger deposit

  • Be given a less competitive deal with a higher interest rate

  • Be turned down completely 

However, there’s hope! High street banks and mainstream mortgage lenders have really strict criteria when it comes to who they'll lend to. Most of them aren’t set up to deal with you if your situation’s a little different from what they consider the ‘norm’. But by working with a specialist bad credit mortgage broker (like us) you can find a lender who knows how to deal with your situation, and is more likely to approve your application.

We don’t do the ‘norm’ at Haysto. We focus solely on the specialist mortgage space, and have great relationships with specialist lenders and a super track record of getting mortgages for people who thought they had no chance. If you’ve struggled with the high street or your bank’s turned you down, talk to one of our friendly advisors to find out your options.


Here’s a few frequently asked questions about bad credit mortgages.

What is bad credit?

What is a bad credit mortgage?

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

How does having a poor credit score affect my application?

What other factors besides bad credit affect my mortgage application?

How will my salary affect my mortgage application?

Do all lenders accept applicants with bad credit history?

Which lenders offer bad credit mortgages?

What credit score do I need to get a mortgage?

How does bad credit impact mortgage repayments?

What is a bad credit score?

How can I check my credit score?

How can I improve my credit rating?

Can I get a mortgage with a 550 credit score?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

We only get paid when your mortgage is approved.

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Our Guides

Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.
Our calculators

Bad Credit Calculator

See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.

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