Obtaining a mortgage with bad credit can be a challenging task, but it is not impossible. Fortunately, there are mortgage lenders who specialize in offering solutions for individuals with less-than-perfect credit scores. In this blog post, we will explore some of the best mortgage lenders who cater to borrowers with bad credit in the UK. Whether you have experienced financial difficulties in the past or are a first-time buyer with a low credit score, these lenders can help you realize your dream of homeownership.

1. Bluestone Mortgages:

Bluestone Mortgages ambition is simple – to help more of your customers get an affordable mortgage.

Their mortgages are designed to help customers who can demonstrate affordability, but are struggling to get past automated application processes. They help all types of customers including Self Employed, Contractors and those that have experienced credit problems through a genuine bump in the road.

2. Pepper Money:

Pepper Money is a specialist lender that focuses on assisting individuals with adverse credit histories. They consider a range of factors beyond just credit scores and assess applicants on a case-by-case basis. Pepper Money offers a variety of mortgage products, including fixed-rate and variable-rate options, catering to different financial situations. Their flexible approach makes them an attractive choice for borrowers with bad credit.

3. Kensington Mortgages:

Kensington Mortgages is another well-known lender that provides mortgages for individuals with poor credit. They have a range of mortgage products, including fixed-rate and tracker mortgages, allowing borrowers to choose an option that suits their circumstances. Kensington Mortgages takes into account an applicant’s overall financial situation, giving weight to factors such as income stability and affordability.

4. Precise Mortgages:

Precise Mortgages specializes in lending to borrowers with adverse credit histories, making them an ideal choice for those with bad credit. They offer a wide range of mortgage options, including buy-to-let mortgages, self-employed mortgages, and residential mortgages. Precise Mortgages takes a pragmatic approach, considering the circumstances surrounding credit issues rather than solely relying on credit scores.

5. Aldermore Bank:

Aldermore Bank is known for its flexible lending criteria, making it a potential option for individuals with bad credit. They assess applicants on a case-by-case basis and consider factors such as employment status, income, and affordability. Aldermore Bank provides various mortgage options, including fixed-rate and tracker mortgages, and they strive to offer competitive rates to borrowers with less-than-perfect credit.


While obtaining a mortgage with bad credit may present challenges, there are lenders who specialise in catering to this specific demographic. Bluestone Mortgages, Pepper Money, Kensington Mortgages, Precise Mortgages, and Aldermore Bank are among the top mortgage lenders that offer solutions for individuals with bad credit. Remember, it’s crucial to seek advice from experienced mortgage brokers or financial advisors who can guide you through the process and help you find the best mortgage option based on your unique circumstances. With the right lender and proper financial planning, homeownership is within reach, even with bad credit.