Struggling with a bad credit rating? Our mortgage advisors can help you find a lender that works for you, whatever your circumstances.
Bad credit ratings don’t mean you can’t get a mortgage. With many having been hit by financial difficulty in recent times, lenders have become more open to providing mortgages to those with lower credit ratings. When chosen correctly, these mortgages can still help you buy a home if you have a sufficient deposit.
Our mortgage brokers will work with you to find a deal that works for you, negotiating contracts with lenders and estate agents, and helping you get your dream property.
We also work with lesser-known mortgage providers, as many of the best rates can be found from mortgage lenders that specialise in helping those with bad credit.
How Our Mortgage Advisors Can Help:
We’re experts in finding great mortgage rates for those with bad credit ratings.
We find exclusive mortgage rates that won’t be found anywhere else.
We’ll work with you to find a mortgage, regardless of your current credit rating.
Free, no-obligation reviews of your current credit situation.
We’re directly Authorised by the FCA (Financial Conduct Authority).
How Can I Get a Mortgage With a Bad Credit Rating?
We’ll work with you to see what’s available to you. As specialist mortgage brokers, we’ve worked with hundreds of clients who have had bad credit ratings, helping them get access to the homes they want. Rite Mortgages can help even if you have any of the following:
A history of mortgage, loan or rent arrears.
Any county court judgements against your name.
Defaults or missed payments.
Any individual voluntary arrangements.
Any previous claims of bankruptcy.
If your previous home was repossessed.
Little or no credit history.
If you don’t know what your credit rating is, it’s easy and free to find out. Doing so will help you get a comprehensive understanding of your situation. From there, we’ll look at the options available to you and find the best rates we can, based on your report.
How Do I Repair My Credit Rating?
Most ratings can be fixed within one to two years with the right advice, which may even give you access to much better mortgage rates in the future, saving you a significant amount of money in the long run. We’ll look at the long-term and short-term benefits of the rates on offer, breaking it down into easy steps, helping you choose what’s best for you.
If you still want to get a home with your current credit rating, we’ll show you how to repair your rating while you’re paying it off. Once it’s in better shape, we’ll help remortgage your home to get a better rate in the future.
Get the mortgage you want.
Bad credit doesn’t have to stop you getting a home. Our mortgage advisors can help. Fill out the form below and get in touch to find out how.
This is third time we used your company, the level of service, professionalism and dedication shown by Mr Rodden as been superior. In his words "Perfect" Thank you again for helping us secure property/mortgage number three.
Great service from start to finish, highly recommended Made the whole process easier and stress free for us
went above and beyond for us especially with all of the issues with our solicitors.
Thank you so much to Steven for everything he has done for us. As first time buyers, the mortgage market was not easy to search and compare. Steven was professional, approachable and sorted everything out for us. We had a mortgage acceptance and offer within 24 hours. The service was fantastic and I cannot reccomed Steven and RiteMoney enough. Thank you!
Amazing customer service, my third time using Rite Money. Can highly recommend!
Very pleased with how efficient you guys were. After weeks of frustration with our bank TSB (which we thought would be the easy option) we wish we had contacted you guys first very quick process start to finish
The service provided was great. I would recommend rite money to anyone. Thank you to Steven and Hayleigh for all the help you where amazing through it all and able to help answer all my questions.
Fraser provided us with an excellent service and everything was completed quickly and efficiently. He made the whole process easy and was always very friendly. He replied to emails quickly and always ensured that he made himself available if we had any questions.
I am extremely happy with the service provided to me by Steven Ward and his colleagues whilst purchasing my first home. They were all very efficient and helpful and Steven could not have done any more for me. A very reliable and professional firm.
Steven has made the process of finding and changing mortgages and life insurance a seamless and stress free one. I have not had to concern myself with anything. He was helpful and supportive when I didn’t understand something during the process. He is able to explain things in an easy to understand way and I had every confidence that I would get the best deal for me
Steven was very helpful, and kept us updated throughout. Even when we hit a small (slight understatement), he had a plan B which meant we were able to get the home we wanted.
I had been rejected by a financial advisor previously and didn’t hold much hope of getting any sort of mortgage, but here I am. I picked up the keys last week and was in regular contact with the team right up to moving day. I cannot recommend rite money enough. Thank you for taking a lot of stress of my shoulders.
Let me be clear, I do not usually write these reviews, however...... Steven Rodden was exceptional from The start of our process to the end, and it was lengthy due to being unable to find a suitable property. Steven was very patient, always willing to go an extra mile to help us out, I would recommend Steven to anybody!! Exceptional service and comes extremely recommended First class..... Thanks Steven
Absolutely brilliant from start to finish. Very professional and dedicated staff. Can't thank them enough for all their efforts .
Great service, kept me up to date with my re-mortgage at all times, thanks for all your help.
Steven was highly personable with his approach and I felt that I could get in touch with him with any queries at anytime. I would highly recommend his services.
Steven was incredibly helpful from start to finish. It can be a minefield out there when applying for a mortgage and Steven guided me through the steps and explained everything in a way for me to fully understand what was happening. Exceptional service provided, highly recommend.
Friendly and efficient service.
Rite mortgage exceeded my expectations.
I highly recommend using Rite Money. They found me a mortgage when I was not sure I could get one. My advisor Steven Ward and also Hayley Kinsella were brilliant all the way through, Thank you guys.
Steven Ward is a credit to your company.. from start to finish he has been with me every step of the way, and so smoothly, i really could thank him enough for all his time and effort. Thank you Steven you have been fantastic!!!
With all the disadvantages to getting a mortgage you could think of, these guys still delivered in full. Thank you so much. I have my life back!
This is my second time using ritemortages and they have never failed to please me with their expertise and knowledge of mortgages on the market. The adviser which dealt with me on this occasion was Fraser Pete whom was very professional and efficient whilst giving me the right advice for choosing the right product that's right for me. My adviser was also always on hand to answer any questions that I had or anything that I didn't understand. On my first occasion my mortgage adviser was Scott Farrell who was also excellent in providing me with the right Mortgage with the right lender for my buy to let properties. The whole team at ritemortages were very helpful and professional at what they do. Abdul K Barik
Great experience remortgaging with Rite mortgages. Everyone was very helpful and the whole process was completed very quickly. Really impressed with the service!! Thank you to the team. Can we publish your Testimo
Adviser was really helpful, empathetic and honest advice, and solid product knowledge backed up by helpful support team
The bank told me that since I’m self employed I couldn’t get a mortgage. You got it in 2 weeks.
We had almost given up hope of remortgaging our house because of our age… we now have a mortgage we can afford.
Buying my first flat couldn’t have been easier… it was really simple.