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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
All of our content is written or verified by qualified advisors from the front line. Our guiding purpose is to ensure borrowers can make the best possible decisions by offering helpful and objective information and guidance on all things mortgages. Please send us a quick email at hello@onlinemortgageadvisor.co.uk if you spot anything you think needs checking or could be better.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. The overall cost for comparison is 4.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
We may receive a commission or fee from any third party partner firm we introduce you to. We may also receive commission that will vary depending on the lender, product or permissible factors if we provide the advice ourselves. The nature of any commission model will be confirmed with you before you proceed with a mortgage.
*OMA Mortgage Approval Guarantee is subject to you providing satisfactory documentation. See T&Cs..
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*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us as well as any of our own are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
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Over 150,000 Bad credit customers helped in the last 10 years!
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600k+ Customers
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Luke has been very helpful and reassuring so far! Nice to speak to someone who sympathises with how stressful buying your first property can be!
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The team were fantastic and really knowledgeable and supportive. They answered all questions promptly and came back to me with regular updates. I have already recommended them and will use them again
Over 150,000 bad credit customers helped in the last 10 years!
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Loved by over
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"Very Helpful and Reassuring"
- Dawn Job
Luke has been very helpful and reassuring so far! Nice to speak to someone who sympathises with how stressful buying your first property can be!
"Would highly recommend"
Had contacted some different companies and they didn't want to know, emailed Simply and the next day received a phone call and by the time I'd got home we had a deal issued.
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As someone who has been excluded from high street mortgage options for many years, I was delighted to be offered a great deal with Barclays. Really helpful and responsive staff, always kept me updated.
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We can give advice and get you approved on the first call in the majority of cases
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👍 No upfront fee, No obligation, & Backed by the OMA® Approval Guarantee 🎖️
Ready to speak to someone?
We can give advice and get you approved on the first call in the majority of cases
Move forward in your Mortgage journey
What do you want to do now?
Not ready just yet?
Affordability, Costs, and Eligibility - Produced by one of our experts
We can answer questions to help your research and get you mortgage ready
Want to come back later?
Save or share our site, or better yet - sign up for our mailing list and get regular updates from our team about lenders, rates, and helpful stuff (no spam promise!)
Jenna Boal
I've worked at Barclays and as a broker helping get the best rates for a number of customer types, but the feeling when that approval comes through for someone who didn't think it was possible is why I do the job!
7
years expertise
1,500
Customers helped
5.0
Bad Credit Team
Graham Turner
8
years expertise
4,000
Customers helped
4.9
Bad Credit Team
Providing the right service in the right way is invaluable. I often feel that I am on the journey with my clients, so working together in a way that suits their needs is exactly how I operate. Helping to better people’s lives is the reason I do this!
Meet our amazing
Bad Credit
Mortgage Experts
Our bad credit champions are hand picked from over 200 advisors in our network, and have helped over 10,000 customers between them - you're in safe hands!
What are the benefits of a bad credit specialist vs a standard mortgage advisor?
Pete explains it well here - but there's a real difference between general advisors and specialists.
You wouldn't want your GP performing your heart surgery - you'd want the most experienced surgeon for your type of condition possible - this is how we view mortgages.
Experienced advisors who successfully arrange the type of mortgage you need all the time, get better outcomes. In fact, our in-house experts have proven to get almost 3x better approval rates than our wider network of mortgage professionals.
Why have we selected these experts specifically?
Our bad credit team have literally helped thousands of our customers over the years, and thousands of people with credit issues, far more than other advisors in our network.
We ensure they have a number of years of experience arranging bad credit mortgages specifically.
We also ensure they have deep knowledge of, and relationships with, the specialist bad credit lenders, including development managers and decision makers - this can really make the difference between approval and decline for the best deals.
From late payments, defaults, CCJs, through to Debt management, Bankruptcy, and IVAs
WE'VE GOT THE T-SHIRT!
From late payments, defaults, CCJs, through to Debt management, Bankruptcy, and IVAs
WE'VE GOT THE T-SHIRT!
Sheridan Repton
My passion is customer experience - and I got into mortgagees after an awful experience buying a house, so wanted to make it easier for everyone else! It’s a special moment to share with someone when they get the keys to their new home - I love it!
24
years expertise
3,000
Customers helped
5.0
Bad Credit Team
Luke Naylor
I'm passionate about property in general, but bad credit mortgages has always been my favourite area - you really get to see the impact when you help someone get the keys to their new home, or save thousands on their repayments.
20
years expertise
4,000
Customers helped
4.9
Bad Credit Team
Jenna Boal
5.0
7
years expertise
1,500
Customers helped
I've worked at Barclays and as a broker helping get the best rates for a number of customer types, but the feeling when that approval comes through for someone who didn't think it was possible is why I do the job!
Graham Turner
4.9
8
years expertise
4,000
Customers helped
Providing the right service in the right way is invaluable. I often feel that I am on the journey with my clients, so working together in a way that suits their needs is exactly how I operate. Helping to better people’s lives is the reason I do this!
Why have we selected these experts specifically?
Our bad credit team have literally helped thousands of our customers over the years, and thousands of people with credit issues, far more than other advisors in our network.
We ensure they have a number of years of experience arranging bad credit mortgages specifically.
We also ensure they have deep knowledge of, and relationships with, the specialist bad credit lenders, including development managers and decision makers - this can really make the difference between approval and decline for the best deals.
What are the benefits of a bad credit specialist vs a standard mortgage advisor?
Pete explains it well here - but there's a real difference between general advisors and specialists.
You wouldn't want your GP performing your heart surgery - you'd want the most experienced surgeon for your type of condition possible - this is how we view mortgages.
Experienced advisors who successfully arrange the type of mortgage you need all the time, get better outcomes. In fact, our in-house experts have proven to get almost 3x better approval rates than our wider network of mortgage professionals.
Our bad credit champions are hand picked from over 200 advisors in our network, and have helped over 10,000 customers between them - you're in safe hands!
Sheridan Repton
5.0
24
years expertise
3,000
Customers helped
My passion is customer experience - and I got into mortgagees after an awful experience buying a house, so wanted to make it easier for everyone else! It’s a special moment to share with someone when they get the keys to their new home - I love it!
Luke Naylor
4.9
20
years expertise
4,000
Customers helped
I'm passionate about property in general, but bad credit mortgages has always been my favourite area - you really get to see the impact when you help someone get the keys to their new home, or save thousands on their repayments.