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Bad Credit Mortgage Calculator

How much could you borrow?

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

Specialist bad credit borrowing calculators

Whether you’re dealing with a CCJ, a default, or an IVA, we’ve created dedicated tools and guides to help you navigate your specific situation. Use our specialist poor credit mortgage calculators to get a borrowing estimate with no credit checks and find the right path toward owning your home.

cartoon of a man at a table with a tablet screen, illustrating a user accessing bad credit mortgage calculation tool to find flexible financing solutions

Have a CCJ?

A County Court Judgement shouldn't stop you. Use our CCJ mortgage calculator to see how much you could borrow based on your specific situation.
Use the CCJ mortgage calculator
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Defaults?

If you have a registered credit default, our default mortgage calculator provides an instant borrowing estimate to help you plan your next move.
Try the default calculator
cartoon of a man reviewing his phone from the sofa, symbolizing a hopeful homeowner checking his borrowing power and interest rates despite having an adverse credit history

IVA?

Whether your IVA is active or completed, our IVA mortgage calculator shows you the borrowing levels available from specialist mortgage lenders.
Use the IVA mortgage calculator
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Bankruptcy?

If you have been previously declared bankrupt, our bankruptcy mortgage calculator provides an instant estimate to help you plan your next move.
Try the bankruptcy mortgage calculator

Bad Credit Mortgage Stories

View all case studies

First-time buyers with adverse credit history purchase their ideal home

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First-time-buyers with unsatisfied CCJs and defaults Secure Mortgage on Dream Home

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First-time buyer clients with adverse credit and a 10% deposit

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Bad credit mortgage clients purchase dream new build home

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Bad credit client with defaults successfully finds new home through willing lender

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First-time buyer: London mortgage success with defaults

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First home success: High LTV mortgage options after defaults

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Securing a competitive high street mortgage with a past CCJ

Read more
View all case studies

Excellent

4.94 based on 156 reviews

Jonathan

Verified user

Wouldn't hesitate to recommend. Daniel at Just mortgage Brokers helped me get a mortgage in 2015 and then 10 years later he helps me secure a mortgage for my second house. Wouldn't go elsewhere. Many thanks.

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United Kingdom, 2 months ago

Claire & Richard

Verified user

Been using a few years now , always a pleasure to work with with Daniel and always finds us the best deal.

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United Kingdom, 2 months ago

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 4 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 4 months ago

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, 10 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

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United Kingdom, 10 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, 11 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, 11 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, 11 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.

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United Kingdom, 11 months ago

Frequently asked questions

Not at all. All our calculators provide estimates based on the information you provide. We don’t perform any hard credit searches, so your score remains exactly as it is.

If you have a mix of issues – such as both defaults and a CCJ – we recommend using our general bad credit mortgage calculator on this page. It’s designed to give you a broad borrowing estimate that covers various types of credit struggles in one go.

Get Started
01473 356 284