Moving to a new home is exciting, but sorting out the mortgage side of things when you have bad credit? Not so much. That’s where we step in — to handle the tricky bits, so you can focus on the fun stuff (like picking out furniture and figuring out where the Wi-Fi router will go).
Whether you’re upsizing, downsizing, or chasing your dream location, we’ve got your back with expert mortgage advice and tailored solutions for those with bad credit history.
When it comes to moving, every situation is unique. That’s why we offer:
If you’re selling your current place and buying a new one, a home mover mortgage is what you need. Whether you’re upsizing, downsizing, or just chasing a better view, this type of mortgage ensures you’re covered financially for your new adventure.
Good question! Some mortgages are portable, which means you can transfer them to your new property. But there are a few catches:
If portability isn’t an option or doesn’t make sense, no worries — you can always switch to a new mortgage deal.
If your current mortgage has early repayment charges (ERCs), moving could cost you a bit. But don’t let that stop you! A new mortgage deal might save you money in the long run, especially if rates are better now than when you locked in.
This depends on a few factors:
Our handy mortgage advisors can crunch the numbers for you and help you figure out what’s possible.
Maybe, maybe not! If you’ve built up equity in your current home, this can go towards your deposit. But lenders usually like to see at least 5-15% of the new property’s value as a deposit.
Pro tip: A bigger deposit can often mean better rates — so it’s worth seeing what you can swing!
With years of experience and access to a wide range of lenders, we make the mortgage process as stress-free as possible. Think of us as your moving-day ally — minus the heavy lifting.
We simplify the jargon and guide you every step of the way. Our advisors work hard to secure competitive deals that fit your unique situation.
Because we make mortgages simple, friendly, and (dare we say it?) kind of fun. Here’s what we bring to the table:
From start to finish, we handle the details so you can focus on what matters most making your new house feel like home.
Your next chapter is just around the corner, and we’re here to help you get there. Contact us today, and let’s make your move a whole lot easier (and maybe even enjoyable!).
Give us a call or book a chat online to get started. Your dream home is waiting so let’s make it happen.
If you have questions about getting a mortgage with an adverse credit score, read our FAQs. Our wealth of knowledge within this market means that we’re confident in our ability to offer specialist mortgage advice and secure the mortgage you want regardless of your credit history.
Yes, it’s still possible to get a mortgage to move home even if you have bad credit. Specialist lenders will typically look at your income, equity in your current property, and affordability, rather than just your credit score.
Not always. Lenders may consider applications from home movers with issues such as missed payments, defaults, CCJs, or even discharged bankruptcy. The options may be more limited, but bad credit doesn’t always mean a “no.”
Often, yes. Many lenders ask for a minimum 5% deposit, but if you have poor credit, you may need to provide more (10-25%). Using the equity from your current property can sometimes help increase your deposit and improve your chances of being approved.
Not always. Lenders will view bad credit as a higher risk, which can mean higher interest rates. However, having a strong deposit, stable income, and decent equity in your home may help you access more competitive deals.
Yes, if you make all your mortgage repayments on time, it can show lenders that you’re managing your money well. Over time, this may help rebuild your credit history. But missed or late mortgage payments could harm your credit further and put your home at risk.
