Mortgages with a low credit score

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

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Can I get a mortgage with a low credit score?

Yes, you can get a mortgage with a low credit score! There are lenders who specialise in giving mortgages to people with poor credit histories, or a low credit score. These specialist lenders are usually only accessible by using a mortgage broker - they won’t show up in your online searches. 

In some cases, having a low credit score can mean you’ll be asked to pay a higher interest rate, or you might not be able to borrow as much. That means you might have to put down a larger deposit, something like 20-25% of the value of the house rather than the more typical 10%.

To get a mortgage with a poor credit score, it’s always helpful if you can show a lender you’re trustworthy by keeping on top of your regular payments and budgeting well. For example, making sure you have money left over at the end of the month.

Read more in our Guide: What Credit Score Do I Need to Get a Mortgage?

Got questions?

What is a low credit score?

What causes a low credit score?

How does a low credit score affect my mortgage application?

Where can I get a copy of my credit file?

Do I need a higher deposit with a low credit score?

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

How can I improve my 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.


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


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We only get paid when your mortgage is approved.

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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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