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Bad Credit Mortgage Specialists

Click Mortgages consider All Credit Situations. We can help arrange your Buy to Let Mortgage taking into account all your credit problems, from a missed credit card payment through to more serious issues such as bankruptcy.

Click Mortgages Consider All Credit Situations

Click Mortgages can help arrange your mortgage taking into account all your credit problems, from a missed credit card payment through to more serious issues such as bankruptcy.

We can Help with All Credit Situations

  • Low Credit Score
  • Missed Credit Card Payments
  • Defaults
  • CCJ’s
  • Debt Management
  • IVA
  • Bankruptcy

Talk to us about your circumstances, we have the experience to help you!

Buy to Let Mortgage Property Purchase:

  • Borrow up to 85% LTV

  • Next Time Mover up to 95% LTV
  • Borrow more by using earned income

  • Have the mortgage rate Fixed

  • Help to Buy with only 5% deposit

Remortgage a Buy to Let Property:

  • Get a better rate
  • Repay debts and lower your payments
  • Pay off an ex-partner
  • Release cash for any purpose
  • Gain a new Fixed Rate

Buy to Let Mortgages

  • Up to 85% LTV
  • Credit Problems accepted
  • Purchase or Remortgage
  • Available for First Time Buyer
  • Mortgage amount linked to rental income

5 star Feefo Reviews

We have lots of happy clients 

Expert Advisers

Expert Advisers who understand credit problems, will guide you personally throughout the transaction.

Taking the next step

We are here to help you get the mortgage you need. 

Find Out How We Can Help You

Some of The Mortgages We can Help you With.

First Time Buyer

Borrow up to 95% with past credit issues

Right To Buy

Borrow up to 100% of the discounted price

Help to Buy

Only 5% deposit required


Repay Debts, Raise money for any purpose

Buy To Let

Purchase or Remortgage for any purpose

Property Purchase

Next Time Buyer up to 95% with past credit issues

Shared Ownership

Only 5% Deposit Required

Contractor Mortgages

Lending amount can be based on your daily pay rate

Credit Problems

We are experts at arranging mortgages with credit problems

Guarantor Mortgages

You can borrow higher amounts with a guarantor

Fixed Rate Mortgages

Get a Low Fixed Rate even with credit problems

Separation or Divorce Mortgages

Remortgage and Buy out your ex.

Got Questions?


Here are some of the most common questions, along with answers from our support experts.

We specialise in arranging Mortgages for clients with all sorts of credit issues from a missed credit card payment through to bankruptcy, this is our area of Expertise.

Most traditional High Street lenders do not offer Adverse credit mortgages, as the lending they do is primarily based around a High Credit Score. People with credit issues tend to have lower credit scores, however there are a range of Specialist Lenders who are fully regulated by the FCA that are willing to accept clients with credit problems. These lenders only accept clients that are introduced to them from an “Approved Broker” such as ourselves.

Specialist Lenders tend to look at when the credit problems occurred rather than using a pure credit score so this is a much more personal individual assessment. Specialist lenders tend to use a ‘soft’ credit search at this stage so this has no impact on your credit rating but allows the lender to understand your overall financial situation. We will assess your circumstances and choose the best lender and plan to meet your needs.

For a purchase the normal minimum deposit is 15% of the property price, however you may need a slightly higher deposit if there are significant credit problems. You do not need to have the deposit saved up as frequently buyers receive a gift for the deposit from a family member which is perfectly acceptable to mortgage lenders.

Lenders take into account many factors, such as personal income, expected rental income, type of let eg as a single unit or multi let eg. House of Multiple Occupancy. They also take into account other aspects such as the experience of the applicant, any existing buy to let properties etc.


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