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.

Characters at a crossroads in orange, green and dark grey depicting users at a crossroads who need a bad credit mortgage broker

Bad credit mortgage brokers

No judgement, just mortgages.

Find a path forward to homeownership with our expert bad credit mortgage brokers. We specialise in mortgages for:

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

Are you eligible?

Speak to a broker

Bad credit mortgage brokers

No judgement, just mortgages.

Find a path forward to homeownership with our expert bad credit mortgage brokers. We specialise in mortgages for:

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

Are you eligible?

Speak to a broker

How our bad credit mortgage brokers can help you

View all case studies

First-time buyer: London mortgage success with defaults

First home success: High LTV mortgage options after defaults

Securing a competitive high street mortgage with a past CCJ

View all case studies

Why choose a specialist fee-charging broker for your mortgage?

At Just Mortgage Brokers, our expert bad credit mortgage brokers understand that for clients with a less-than-perfect credit history, the journey to a mortgage starts long before the application. We operate on a model where our reputation is on the line with every case; we only earn a fee if we successfully navigate the market for you.

Education & pre-application coaching: A major part of our service involves preparing you for success. Our bad credit mortgage brokers invest heavily in coaching our clients on document readiness and credit positioning. This “pre-application” work is included in our service, and we only charge once we have demonstrated that we can secure the outcome you need.
Personal advocacy: When a situation isn’t “computer-says-yes,” you need a human advocate. Our fee allows our bad credit mortgage brokers to provide a high-touch service where we spend time fighting for your application and communicating directly with specialist lenders to ensure your real-life story is heard.
A dedicated partnership: Because our bad credit mortgage brokers don’t rely on high-volume automated processing, we can focus on the attention to detail that complex cases require. This investment in your success is only rewarded when you are satisfied and moving forward with your mortgage deal.

Book your free consultation

Find out how much you could borrow!

No credit checks here! Simply fill out the information below to get your estimate before you get in touch with a bad credit mortgage broker for a full free initial consultation!

Overcoming credit challenges

Whether you've faced a CCJ, a default, or are navigating life after bankruptcy, your past doesn't have to dictate your future. Explore our guides to see how specific issues affect your options and how a specialist bad credit mortgage broker can help you move past them.

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

11 mins

Mortgages with a CCJ on file

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 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

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

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

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

10 mins

Mortgages after repossession

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

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

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.

Read the guide

Mortgages for your situation

Everyone’s path to homeownership looks different. Whether you’re buying for the first time, looking to remortgage, or using a government scheme, our bad credit mortgage brokers specialise in finding the right mortgage type for your specific needs, regardless of your credit history.

12 mins

Bad credit mortgages explained

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

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

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

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

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.

Read the full review

United Kingdom, 3 weeks 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.

Read the full review

United Kingdom, 3 weeks 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!

Read the full review

United Kingdom, 3 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.

Read the full review

United Kingdom, 3 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!

Read the full review

United Kingdom, 9 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, 9 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.

Read the full review

United Kingdom, 9 months ago

Verity

Verified user

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

Read the full review

United Kingdom, 9 months ago

Daniel

Verified user

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

Read the full review

United Kingdom, 9 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, 9 months ago

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. Our bad credit mortgage brokers specialise in finding solutions for people just like you!

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 bad credit mortgage brokers 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!

Bad credit? Complex situation? This is what we do best.

Direct access to top lenders

We speak directly with underwriters to find solutions others can’t.

Exclusive deals tailored to you

Get access to mortgage offers you won’t find elsewhere.

Trusted by our customers

Our great reviews speak for themselves – real help, real results.

Ready to talk mortgages?

Got questions, need advice, or just want to explore your options? We’re here to help.

Call us: 01473 356284 (local rate)

Email us: [email protected]

"*" indicates required fields

Search our site

Bad credit mortgage brokers

Bad credit mortgage brokers

How our bad credit mortgage brokers can help you

First-time buyer: London mortgage success with defaults

First home success: High LTV mortgage options after defaults

Securing a competitive high street mortgage with a past CCJ

Why choose a specialist fee-charging broker for your mortgage?

Find out how much you could borrow!

Overcoming credit challenges

Mortgages with a DMP

Mortgages after an IVA

Mortgages with a CCJ on file

Mortgages with a default

Mortgages with payday loans

Mortgages after bankruptcy

Mortgages with missed payments

Mortgages with late payments

Mortgages after repossession

Mortgages with a low credit score

How to improve your credit score

Mortgages for your situation

Bad credit mortgages explained

Shared Ownership with bad credit

Right to Buy with bad credit

First-time buyers with bad credit

Remortgaging with bad credit

WE’VE GOT THE SOLUTIONS

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?

Useful Links

About