When it comes to obtaining a mortgage with less-than-perfect credit, the road may seem challenging, but fear not! It's not an impossible feat. If you're wondering if you can secure a mortgage despite your credit woes, the answer is a resounding yes. However, it's important to keep in mind that it may require a bit more effort, and your options might be somewhat limited.

In the process of applying for a mortgage, lenders typically conduct credit checks on all applicants. Any negative marks on your credit history will be taken into consideration. The impact will vary depending on the severity and recency of these incidents.

While many well-known banks may turn down your mortgage application due to a less-than-ideal credit history, fret not, for there are other avenues available. Building societies and specialised "bad-credit mortgage lenders" often exhibit a more flexible and compassionate approach towards individuals who have faced challenging life events, such as serious illness or divorce.

These specialised lenders are more open to reviewing mortgage applications from those with less-than-stellar credit. Nevertheless, it's important to note that they may charge higher interest rates than average and require larger deposits.

Now, let's dive into some practical steps that can increase your chances of mortgage approval:

Assess your partner's financial situation

If you plan on purchasing a property with a partner, it's vital to have open and honest discussions regarding each other's debts and financial standing before proceeding.

Focus on improving your own credit

Demonstrate a track record of timely payments and responsible financial behavior to boost your credit score and reassure lenders of your reliability.

Exercise patience

Over time, the negative impact of past financial issues on your credit history will diminish, especially if you have made considerable improvements to your financial situation.

Maintain honesty with lenders

Attempting to conceal any financial difficulties from mortgage lenders is not advisable. Lenders have the means to uncover information, so it's crucial to maintain transparency. Dishonesty will only hamper your chances of securing a mortgage.

Provide explanations for past financial challenges

Lenders often seek to understand the reasons behind any financial difficulties you faced and, more importantly, the steps you have taken to rectify the situation. Being able to provide a clear explanation and evidence of positive changes can enhance your prospects.


It's worth noting that "bad credit" encompasses a range of situations, such as missed payments, defaults, or a history of bankruptcy. Each individual's circumstances are unique, and it's crucial to approach the mortgage application process with honesty and diligence. By following these steps and taking proactive measures to improve your creditworthiness, you can increase your chances of obtaining a mortgage, even in the face of previous credit challenges.