Bad Credit Mortgage Advice Mortigo

Nobody’s perfect. Anyone who claims otherwise is betraying their own imperfection. But despite our common fallibility, most mortgage companies have a habit of looking askance on applications from people who’ve run afoul of credit rating agencies. If they will engage them at all it’s to lecture them on the wickedness of their ways and to offer them a sub-prime mortgage with a punishing interest rate.

We understand why mortgage lenders would be reluctant to lend to someone with a less-than-pristine record. But we also understand that most people are capable of change and deserving of another chance. To that end, we offer bad credit mortgage advice intended to connect these individuals with the financing they need to get their dreams back on track.


Whether you wish to purchase or re-mortgage a property financing is still available if you have less than stellar credit. The amount you’ll be able to obtain and the details of the loan will depend on several things, including:

  • Your current employment situation – If you haven’t worked in a while don’t expect lenders to beat a path to your door.
  • Your current financial situation – If your bank balance and your weight are interchangeable you can expect an interest rate to match.
  • Your current debt load – If you’re seeking a mortgage to pay down those pesky credit cards expect plenty of raised eyebrows and heavy sighs from the lender.
  • The current value of the property you want to refinance – If you are looking to remortgage your property the lender will want to know the current value of the property.

All these things will play a role in determining if a person with bad credit is able to obtain a mortgage. But there is one more factor that is perhaps more important than all the above combined: the willingness of the broker to go the extra mile for you.


If you have bad credit, most brokers will treat you as a kind of diversion from their normal routine. Not us. We will take up your cause with a sense of purpose. We’re solution orientated folks who understand that success is 10% inspiration and 90% perspiration. That doesn’t mean we smell bad, it means we’ll roll up our sleeves and get to work finding you the financing you need. For spot-on bad credit mortgage advice give us a call on 0808 164 1616.