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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
190 5 Star Reviews
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
Abdul khaliq Mayar
I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.
11 May 2026
Flc
Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!
5 May 2026
William Thompson
I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me
29 Apr 2026
Yasir Noori
The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application
16 Apr 2026
Janiene Walton
Great service, very professional and I felt my adviser really was interested in helping me get the best deal for a repayment mortgage for my age group.
29 Mar 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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