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Speak to an Advisor 7 days, 8am - 10pm
We’ve assisted many customers who are seeking a mortgage despite having less-than-perfect credit. The good news is that most of them are still able to secure a mortgage, even with a bad credit history.
As a mortgage broker in London, we work with a wide range of lenders, including both high street banks and specialist providers. This allows us to search through 1000’s of mortgage deals to find one that’s tailored to you.
Customers may choose to obtaing a mortgage via their bank or an online comparison site before coming to us. What they often don’t realise is that hard credit checks can harm their chances of getting a bad credit mortgage because each hard credit check leaves a mark on their credit report.
Securing a mortgage with bad credit in London isn’t just about finding the lowest interest rate and applying. The process requires a strategic approach, which is where an experienced mortgage broker in London can make a significant difference.
Our mortgage advisors in London aim to match your situation with the right lender on the first attempt, helping to protect your credit score from further impact.
Our experienced mortgage advisors in London will carefully evaluate your bad credit situation – when the bad credit was recorded, what caused it, whether it’s now resolved, the amount involved, etc., to help chart the most appropriate course of action.
Different forms of bad credit mortgages exist, such as:
If you are considering getting a new mortgage and are concerned about your credit score, you can speak with one of our mortgage advisors in London today to find out what your mortgage with bad credit options are.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
Every customer can benefit from a free initial mortgage appointment with one of our mortgage advisors in London. During your appointment, your assigned mortgage advisor in London will request information concerning your earnings and outgoings to work out your borrowing capacity.
After your free initial mortgage appointment, your mortgage advisor in London will try and find a mortgage deal that aligns perfectly with your unique financial circumstance. If you want to proceed with the chosen mortgage product, it’s time to start working on preparing your mortgage application.
Preparing and submitting your mortgage application is a crucial step towards acquiring your dream property. To support your application, you will need to provide supporting documents that support your income and affordability. At this stage of your journey, you will be partnered with a dedicated case manager. Their task is to guide you through every stage of the process, ensuring you’re kept informed and updated.
Now that your application is ready, we can send it off to the mortgage lender. Whilst we wait for the mortgage lender’s response, we will evaluate your insurance options with you, making sure that you and your family are protected in a situation where you cannot make your mortgage payments.
We have some fantastic customer reviews from other home buyers in London who came to us for mortgage advice in London, and they are a great representation of the levels of service we provide. While booking your free initial mortgage appointment, take a look to see what our customers said and to see how we may be able to help you too!
As an open and honest mortgage broker in London, we are able to search through many competitive bad credit mortgage delas on your behalf. We have a large panel of lenders and will be able to find the most suitable one for you and your mortgage needs!
It is our job to provide fast and friendly mortgage advice in London. We will try and find the most suitable mortgage product for you. Book yourself in online for your free initial mortgage appointment using our online booking feature. It’s clear and simple, just like our mortgage advice service.
Our team are available 7 days a week, including bank holidays and weekends. This means that as a first time buyer in London, you can book in your own appointment with a mortgage advisor in London at a convenient time, including out of hours!
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Read our 15 Reviews
Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
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Londonmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Londonmoneyman 2009–2026
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