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Moving home process
Get Mortgage Ready
Speak to our team to get
your mortgage decision in
principle
Offer is Accepted
Have your offer accepted
with your Estate Agent
Apply & Instruct
Complete your mortgage
application and start your
solicitors
Checks & Offer
Your mortgage will be
offered, and your solicitors
will complete their checks
Move-In Day
Move in
Case study A bad credit remortgage
Mortgage Wise recently helped a client who had a 2 unsatisfied CCJ’s.
They were spending £589.27 per month on their mortgage.
They had other debts of £59,043 costing £1,120.20 per month.
In total they were spending £1,709.47per month.
The new mortgage cost £809.47per month meaning they saved £900.40
per month, had one monthly payment and they cleaned their credit file.
Yes, there are specialist lenders who offer mortgages for people with bad credit, including CCJs, defaults, or missed payments.
Most bad credit mortgage lenders require at least 15–30% deposit, depending on the severity of your credit issues.
Typically yes, as lenders consider you higher risk. However, rates vary and can improve over time with better credit management.
Yes, though the lender’s decision depends on how recent and severe the issue is. A larger deposit can improve your chances.
Build your credit score, reduce debts, and speak to a broker who specialises in bad credit mortgages for tailored advice.
