Do overdrafts make your credit scores worse?

Used responsibly, an authorised overdraft shouldn’t impact your credit rating. However, exceeding your limit or having unpaid items can be detrimental to your credit. If a lender can see that you consistently rely on your overdraft, it may give them the idea that you are experiencing financial difficulties. As a result, they may hesitate to offer you a product due to concerns about your ability to make monthly mortgage payments.

Can I apply for a joint mortgage if my partner has bad credit?

In a joint application, the credit histories of both borrowers will be taken into consideration. This can include discharged bankrupts, those in an IVA, or those who have defaults and CCJs on their credit report. You can still apply if one applicant has bad credit, however, it can be more difficult to find a lender willing to offer you a product, although don’t worry, with the right preparation and support from a mortgage broker, there is still a good chance that your application will be successful.

Does marrying someone with bad credit give you bad credit?

Being married to someone with bad credit doesn’t necessarily give you bad credit. However, if financial accounts are jointly established, it forms a financial connection. This can sometimes affect the other person’s credit. Furthermore, if you are applying for a mortgage with a partner that has bad credit it could affect your borrowing. This is because a lender will consider both individuals’ credit history when assessing an application. Therefore, if one individual has bad credit, a lender may not be as willing to lend as much.

Can I remortgage to a better product when my credit improves?

Yes, remortgaging later down the line when your credit has improved is possible. This can actually be a great idea for many and a way of saving you money. If you have bad credit and apply for a mortgage, a lender is likely to charge you an increased interest rate. This is to minimise their risk exposure and cover themselves in case you were unable to make mortgage payments. The time frame in which you should consider remortgaging to a new lender will depend on a range of things. This includes your circumstances, the type of bad credit event and your more recent credit. Severe credit events like a bankruptcy or repossession will require more time to pass in order for you to obtain a better product. In certain cases, it can be best waiting 6 years for them to be removed from your credit file. However, any amount of time that passes will always be beneficial. Smaller credit events, like a string of missed payments or arrears, can require less time to pass. You should also consider looking to improve your recent credit history to show lenders you are now able to better manage money. If you are considering remortgaging to a better mortgage product, then working with a mortgage broker can be key. They can assess your circumstance, just like a lender would, and determine if now is the right time to find a new product.

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Bad credit mortgage brokers

No judgement, just mortgages.

We’re here to help! Homeownership isn’t out of reach, our experts know how to make it happen. Submit a few details, only takes a few minutes!

Discover your borrowing power with NO credit checks, only takes a few minutes!

See what's possible

Get guided help

WE’VE GOT THE SOLUTIONS

Life can throw curveballs, like defaults, CCJs, or even bankruptcy - but that doesn’t mean homeownership is out of reach. We specialise in finding mortgage solutions for people just like you! Check out our guides to explore your options.

Our bad credit mortgage guides

From mortgages after bankruptcy to handling CCJs and defaults. We’re here to support you every step of the way, making sure you find the right path toward owning your own home, no matter what’s in your credit history. Let’s make it happen together!

12 mins

A guide to bad credit mortgages

Having bad credit doesn't have to stop you from buying a home. This guide shows how different issues can affect your mortgage application.

Read the guide

5 mins

How to improve your credit score

Improving your credit score doesn’t need to be complicated. This guide explains practical steps to increase your mortgage approval chances.

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9 mins

Mortgages with a default

A mortgage with a default may seem impossible, but it isn’t. We'll show you how lenders view this and explain all your very best options.

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11 mins

Mortgages with a CCJ

Having a CCJ can feel like a roadblock, but it's not a dealbreaker. We’ll show you what to do to move forward with your mortgage application.

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9 mins

Mortgages with a DMP

If you're on a DMP, we’ll explain how lenders view your situation and show you that great mortgage options are still available to you.

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10 mins

Mortgages after an IVA

Even after an IVA, getting a mortgage is possible. We’ll show you what lenders look for and how you can get approved for your new home.

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3 mins

First-time buyers with bad credit

Buying your first home with bad credit is challenging, but not impossible. We'll help you find a lender that's right for your situation.

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6 mins

Mortgages with missed payments

Missed payments happen, and they don't have to ruin your chances. We'll show you what lenders look for and what you should do next.

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8 mins

Mortgages with late payments

A few late payments won’t stop you from buying a home. We'll explain how lenders view your history and how you can still get a mortgage.

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14 mins

Mortgages after bankruptcy

Even after bankruptcy, a mortgage can be an achievable goal. We'll walk you through how lenders view it and what your very best options are.

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10 mins

Mortgages after repossession

A repossession is a major hurdle, but getting a mortgage is still a strong possibility. This guide will walk you through all of your options so that you're informed.

Read the guide

10 mins

Remortgaging with bad credit

Don't get stuck with a high rate just because of bad credit. We'll show you how to find a better deal and move forward with your plan.

Read the guide

18 mins

Mortgages with a low credit score

Your score isn't everything. We'll demystify low credit score mortgages and show you how to prepare a strong application with our help.

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8 mins

Mortgages with payday loans

While payday loans can be a major red flag, this guide will explain how to get a mortgage after using them and what your options are.

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8 mins

Shared Ownership with bad credit

Shared Ownership is a great path to homeownership. This guide will show you how mortgages can work for you, even with bad credit.

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6 mins

Right to Buy with bad credit

This guide provides information on mortgages available through the Right to Buy scheme for individuals with a bad credit history in the UK.

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Why choose Just Mortgage Brokers?

We specialise in mortgages for real people, not just perfect credit scores. Whether you’ve faced bad credit, self-employment challenges, or complex financial situations, our experts find solutions tailored to you. No jargon, no judgment, just a dedicated team working to make homeownership possible.

This is our specialty, It’s what we do!

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Costas

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We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 2 months ago

Yaser & Amanah

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Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 2 months ago

Timothy

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As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 2 months ago

Verity

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Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 2 months ago

Daniel

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Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 2 months ago

Sarah

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It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 2 months ago

Emma

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Super easy to use, saved loads of time and stress having to sort out a new mortgage ourselves. It's easy to talk to a person on the phone and everyone has always been very helpful. This is the second time we've just JM and I would highly recommend!

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United Kingdom, 2 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 2 months ago

Charmaine

Verified user

Always helpful and responsive. Yasmin always gets us a good deal, and we have been using Just Mortgage Brokers for many years. Easier to deal with then going direct to the lenders. Would highly recommend.

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United Kingdom, 2 months ago

Joel

Just Mortgage Brokers are the only place I’ll go for a mortgage or remortgage. Say what they’ll do- and then deliver each time, regardless of your circumstances. Highly recommended.

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United Kingdom, 2 months ago

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Bad credit mortgage brokers

Bad credit mortgage brokers

WE’VE GOT THE SOLUTIONS

Our bad credit mortgage guides

A guide to bad credit mortgages

How to improve your credit score

Mortgages with a default

Mortgages with a CCJ

Mortgages with a DMP

Mortgages after an IVA

First-time buyers with bad credit

Mortgages with missed payments

Mortgages with late payments

Mortgages after bankruptcy

Mortgages after repossession

Remortgaging with bad credit

Mortgages with a low credit score

Mortgages with payday loans

Shared Ownership with bad credit

Right to Buy with bad credit

Find out how much you could borrow!

Why choose Just Mortgage Brokers?

This is our specialty, It’s what we do!

Direct access to top lenders

Exclusive deals tailored to you

Trusted by our customers

Ready to talk mortgages?

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