Bad Credit Mortgage Calculator

Got bad credit? You could still get a mortgage. We're specialist bad credit mortgage brokers with a proven track record of making homeownership possible for people like you.

Speak to one of our Mortgages experts to get a more detailed idea of what you can borrow, based on your unique situation.

Speak to an expert

You may have to pay an early repayment charge if you remortgage.
Your home could be repossessed if you don’t keep up repayments on your mortgage.
This calculator is only an estimate of how much you may be able to borrow. Talk to a mortgage broker or lender to get a more accurate figure.

Your Results

Here are the details of what your mortgage could look like. From how much you can borrow, to what you monthly repayment could be.

Your Mortgage

Based on what you have entered this is the mortgage you’re likely to be offered.

How is this calculated?

Your monthly repayment

This is a rough guide to what your monthly repayment could be. We work this out based on the interest rate you entered and the mortgage length.

How is this calculated?

Your Loan to Value

If you increased your deposit by your LTV would be , this is likely to give you a better mortgage rate.

How is this calculated?

How it works

We know nothing replaces humans when it comes to understanding individual needs and circumstances. Not every customer is the same, so we match you with your own Mortgage Expert, someone with a track-record of helping people in your situation. Deal with people, not robots.

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Step one


Send us the details of your unique situation. It takes 60 seconds and won’t affect your credit score.
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Step two


We search over 12,000 mortgages to start uncovering the right mortgage for you.
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Step three


We then match you to one of our Mortgage Experts who has proven experience in getting people just like you a mortgage.
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Step four


Your personal mortgage team do all the heavy lifting. Track and manage everything in your customer portal with real-time updates and no messy paperwork - yay!

Got questions?

Can I get a mortgage with bad credit?

How does bad credit affect my mortgage application?

How much can I borrow on a mortgage if I have bad credit?

What is “bad credit”?

How do I find out my credit score?

How do credit agencies work?

Can I remortgage with bad credit?

Can you get a joint mortgage if one person has bad credit?

Are there mortgage lenders for bad credit?

Can you get approved for a home loan with a 500 credit score?

What kind of interest rate will I get if I have a poor credit rating?

useful links

Bad credit mortgage 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.

Have you tried our other mortgage calculators?

Our calculators give you an idea of what you might be able to borrow, what's affordable and a rough estimate of the kind of property prices you can start to look at.

Haven't we met before?