A poor credit history doesn't mean no mortgage. Specialist lenders exist for every credit situation. Get matched with a bad credit mortgage expert who knows who will say yes.
Applying to the wrong lender with bad credit damages your score further and wastes months. A specialist bad credit mortgage broker knows exactly which lenders accept CCJs, defaults, missed payments, IVAs and bankruptcies — and under what conditions. They also know how to present your application compellingly, maximising your chances of approval at the best available rate. Rejection from one lender doesn't mean rejection from all lenders.
Apply to lenders who will say yes. Avoid rejections that further damage your score.
Experienced brokers know how to present adverse credit history in the most favourable light.
Waiting a few months before applying can improve your options significantly. Your broker advises when to apply.
Access to specialist lenders — Pepper, Kensington, Vida, Precise — unavailable on comparison sites.
Ready to find your perfect Bad Credit Mortgage Broker?
Free matching · No obligation · FCA regulated"I'd been putting off finding a bad credit mortgage adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
Getting matched takes under 2 minutes. Here's the process:
Answer a few quick questions about your situation so we can understand exactly what kind of bad credit mortgage adviser you need.
Our matching engine connects you with the best-fit, FCA-regulated Bad Credit Mortgage Broker from our vetted adviser panel.
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
It takes under 2 minutes. It costs nothing.
58,000+ people have already been matchedCounty Court Judgements don't always prevent a mortgage. Lenders assess age, amount and satisfaction status.
One or two missed payments needn't disqualify you — specialist lenders assess the pattern and recency.
Satisfied defaults over 12–24 months old are accepted by many specialist lenders.
Currently in or recently completed an IVA or DMP — specialist lenders exist for your situation.
Even discharged bankruptcy doesn't mean no mortgage — timing and deposit matter most.
A low score without specific adverse events — specialist lenders take a holistic view.
Still have questions? Your matched adviser will answer them all — for free.
No obligation · FCA regulated · Takes 2 minutesFind a bad credit mortgage broker near you. Nesto matches you with specialist advisers across the UK:
Covering 886 locations across the UK
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
Get Matched Free — Takes 2 Minutes⭐ 4.9/5 average rating · 25,000+ FCA-regulated advisers · No credit check