First time buyers with bad credit

First time buyer with bad credit? You’re in the right place. We’re specialist mortgage brokers with a proven track record of making mortgages possible for first time buyers with bad credit, like you.

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Can I get a mortgage as a first-time buyer with bad credit?

Having a bad credit rating can impact your ability to get a mortgage whether it’s your first time, or you’ve gone through lots of homes. So having bad credit if you’re a first-time buyer can make it more difficult to get a mortgage compared to someone who has an excellent credit rating

But, even if you’ve been told it’s impossible by a mainstream lender or highstreet bank, there’s specialist lenders who’ll consider you. A specialist bad credit mortgage broker will be able to understand your situation and suggest options.

Read our Complete First Time Buyers Guide for all you need to know about getting a mortgage for the first time.

Got questions

How does bad credit affect my mortgage application as a first-time buyer?

Should I improve my credit score before applying for a mortgage?

Can one person in a joint application’s bad credit history impact the application?

Will my mortgage rate be higher because of my bad credit?

Do I need to find a guarantor?

Does any outstanding debt impact my chances of a successful mortgage application?

How can I improve my credit score before getting a mortgage?

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.

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