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Bad Credit Mortgage Calculator

No judgement, just mortgages.

  • Bad Credit Specialists
  • Free, no obligation initial consultation
  • Exclusive Rates
  • Hundreds of 5 Star Reviews

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

See what's possible
Get guided help

Bad Credit Mortgage Calculator

No judgement, just mortgages.

  • Bad Credit Specialists
  • Free, no obligation initial consultation
  • Exclusive Rates
  • Hundreds of 5 Star Reviews

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

See what's possible
Get guided help

How much could you borrow?

No credit checks here! Simply fill out the information below to get your estimate!

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

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

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.
Read the guide

Excellent

4.94 based on 152 reviews

Costas

Verified user

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, 3 months ago

Yaser & Amanah

Verified user

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

Read the full review

United Kingdom, 3 months ago

Timothy

Verified user

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, 3 months ago

Verity

Verified user

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

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United Kingdom, 4 months ago

Daniel

Verified user

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

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United Kingdom, 4 months ago

Sarah

Verified user

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.

Read the full review

United Kingdom, 4 months ago

Emma

Verified user

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, 4 months ago

Ben

Verified user

Smooth as ever, efficient and charming - thanks team!

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United Kingdom, 4 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, 4 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.

Read the full review

United Kingdom, 4 months ago

Frequently asked questions

The first step of any mortgage journey is to establish if you’re able to obtain a mortgage based on your circumstances. This is even more important if you have a bad credit history.

A Bad Credit Mortgage Calculator can be used to give you an indication of your chances. By answering a few simple questions about yourself, the calculator will give you an answer as to what your prospects are.

There are no guarantees and ultimately you will still be advised to seek advice. However, using a calculator is a very good place to start.

Many individual mortgage calculators for bad credit aren’t designed to give you an indication of how much you can borrow. But instead, they give you an indication of your ability to obtain a mortgage.

However, some, such as the one on our site, will combine both aspects in one process. By filling out some simple questions about your situation, our calculator can give you an accurate guide of what you could borrow.

Not only will it tell you your borrowing capabilities, but it will also give you an idea of your chance of success.

Be advised that these results are to be used as a guide and we still highly recommend you speak to a bad credit mortgage advisor. They will be able to use their knowledge to obtain an accurate assessment for you.

If you’re interested in using any bad credit mortgage calculator in the UK, then to obtain the most accurate result you’ll need the following:

  • The valuation or purchase price of the property.
  • An indication of how much you may need to borrow.
  • What your annual income is (for each applicant, if there is more than one).
  • Information about your credit history. If you obtain a copy of your credit report in advance, this will ensure accurate information.
  • Your credit score. Each credit agency has their own scoring system, so ensure you know what agency gave you what score.

When looking to obtain a bad credit mortgage there are a range of factors that need to be considered:

The first factor that will affect your borrowing is the type of credit issue. Essentially, the more severe the issue, the less you can borrow. In some cases, the issue may be so severe that you will be rejected. For example, a few missed phone payments wont carry the same weight as bankruptcy or repossession.

Another factor that will influence your borrowing is the time since the event occurred. Typically, bad credit events are removed from your credit file after 6 years. So, past this point your chances will be made much easier.

However, more recent events can have a large impact. Trying to apply within 6 months of a serious credit event will be much harder than applying after 4 years, for instance.

One final factor that plays a part is your efforts to repair your credit in the present day. If lenders can see you have taken steps to improve your credit score they may be more willing to lend you more. Our complete guide has some top tips on how to do this.

If you want to explore your bad credit options, reach out today!