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It’s possible to get a mortgage with a poor credit history, but you might find the process more challenging.
High street lenders often have strict criteria, and if your credit report shows missed payments, defaults, or CCJs, they may decline your application or offer less favourable terms.
Even so, there are lenders who specialise in supporting people with credit issues.
These lenders look beyond just your credit score and consider your wider financial picture.
By working with a mortgage broker in Nottingham, you can access these specialist lenders and explore options tailored to your situation.
Bad credit mortgages in Nottingham are designed for those who may not qualify for standard mortgage products due to credit issues.
These mortgages often come with higher interest rates and larger deposit requirements, as lenders see them as a higher risk.
Rather than relying solely on automated checks, specialist lenders consider your income, recent financial behaviour, and the nature of your credit history.
They’ll want to know how you’ve handled your finances following any past difficulties and whether you can comfortably manage monthly repayments.
With the guidance of a mortgage advisor in Nottingham, you can find lenders who are open to working with you and help secure a mortgage that suits your circumstances.
When you have bad credit, getting the right advice is essential. Many lenders who offer products for people with a poor credit history don’t deal directly with the public, so you won’t find these options by going through comparison sites or walking into your local bank.
This is why getting mortgage advice in Nottingham is so important.
Experienced mortgage advisors understand the different lenders’ criteria and can point you in the right direction.
They can explain how your credit history may affect your application, help you prepare the documents you’ll need, and guide you through each stage of the process.
With the right advice, you’ll feel more confident and increase your chances of finding a mortgage that works for you.
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4.96 Rating340 Reviews
Tom
Charlie and Lizzi were always quick to respond whenever we got in touch and never failed to be helpful with all of our queries and requests.
6 days ago
James
This was my third mortgage with Nottinghammoneyman and they were excellent as always. There were lots of issues with the lender and they took the stress off by chasing them for me a lot.
1 month ago
Maggie
Both Dinah and Jo were great,friendly patient when answering my questions and throughly professional at all times. I am a first time buyer so knew nothing of the process involved. So thank you Dinah and Jo you couldn't have made it any easier for me
2 months ago
Emma
Malcolm was very patient, with me taking a long time to choose a property and with me being very indecisive. He support me through the whole thing and was always at the other end of the phone for any question or support!
2 months ago
Shaun
Listened, advised well and very efficient. Excellent
2 months ago
Anonymous
Very friendly and efficient service
3 months ago
Benjamin
All ways out standing all ways there to help and find a very good deal 5 star service every time
3 months ago
Callum
Fantastic communication from everyone. Helpful and supportive at every step, couldn't ask for more.
3 months ago
Tracie-ann
Great customer service. Replied to all my queries quickly and efficiently
4 months ago
Margaret
Charlie Bryson and Stacey Moss have been fabulous. Charlie's knowledge as a broker is amazing secured me a mortgage at 61 and a first time buyer I was so nervous Charlie and Stacey have been so friendly and kind keeping in contact at every step of...
4 months ago
Joseph
Excellent service
4 months ago
Craig
Service, advice and support has been outstanding, Friendly and knowledgeable, always happy to help, not only for our mortgage but other services too. Would recommend their service to anyone.
4 months ago
Peter
Very professional, friendly and extremely fast & efficient service, would highly recommend!!!
4 months ago
Priscilla
Charlie always makes the process painless with his efficiency and knowledge. Would definitely recommend.
4 months ago
Gabriel
The Nottingham moneyman team have been fantastic. Our house buying process was far lengthier and more complicated than we had expected but they were there every step of the way. Very responsive and always helpful. Would definitely recommend them to...
6 months ago
Jessica
My dedicated advisors, Charlie and Jo, have been absolutely fantastic in helping me to navigate the very stressful task of purchasing my first home. Many thanks to both
7 months ago
Dave
Quick and efficient service, Charlie very nice to deal with and gave clear advice. Debbie was diligent, friendly and clear. Appreciate the assistance with securing a mortgage at a reasonably tricky time for borrowing.
7 months ago
Andrew
Would recommend this company. Good service.
7 months ago
Anonymous
Dealt with everything very efficiently and sorted out a minor issue very quickly. Good communications.
8 months ago
Mr James
3rd mortgage I've got through Chris and the team! 10/10 will use again.
8 months ago
Bad credit covers a range of financial difficulties that appear on your credit file.
This might include missed payments, defaults, CCJs, IVAs, or even previous bankruptcies.
These entries suggest to lenders that you may have had trouble managing repayments in the past.
When applying for bad credit mortgages in Nottingham, the type of credit issue, how long ago it happened, and how you’ve handled your finances since will all play a part in how lenders assess your application.
Some credit problems carry more weight than others, but lenders will consider the full picture, particularly if you’ve made positive financial changes since.
Yes, you’re likely to need a larger deposit.
This is because lenders offering bad credit mortgages in Nottingham want to reduce their level of risk.
While a 5% deposit might be enough for those with a good credit history, bad credit applicants may need closer to 15% or even 20%, depending on their circumstances.
The higher the deposit, the better your chances of approval and the more favourable the mortgage rates you may be offered.
It is possible to get a mortgage after bankruptcy, though the timeframe is important.
Most lenders want to see that several years have passed since your bankruptcy was discharged and that you’ve taken steps to rebuild your credit.
Lenders offering bad credit mortgages in Nottingham will look at your recent financial behaviour and whether you’ve managed other credit agreements well since the bankruptcy ended.
With the right advice and preparation, there are lenders willing to consider applications from those with a history of bankruptcy.
The first step is to discuss your situation with a mortgage advisor in Nottingham.
If you have a history of missed payments, defaults, CCJs, or other credit issues, we will review your financial circumstances and explore the options available.
We’ll assess your credit history, income, and affordability to determine the best approach to securing a mortgage.
Once we understand your financial position, we’ll search the market for the most suitable bad credit mortgages in Nottingham.
Many specialist lenders are not available directly to the public, but we have access to lenders who take a more flexible approach.
By matching you with the right mortgage provider, we increase your chances of securing a deal that suits your needs.
After selecting the most suitable mortgage, we’ll handle the application process on your behalf.
This includes gathering the necessary documents, such as proof of income, deposit funds, and credit history details.
Lenders offering bad credit mortgages in Nottingham may have additional requirements, but we’ll ensure your application is presented in the best possible way to maximise your chances of approval.
Once the lender has reviewed your application and carried out their checks, they will issue a formal mortgage offer.
Your solicitor will then handle the final legal steps, including contracts and property searches.
As soon as everything is completed, you’ll be ready to move forward with your mortgage and secure your new home.
Getting a mortgage with a poor credit history can feel overwhelming, especially if you’ve been turned down by high street banks.
We specialise in helping those with adverse credit, working with lenders who take a more flexible approach.
Whether you have missed payments, defaults, CCJs, or a low credit score, we can explore your options and guide you towards a suitable mortgage.
Every applicant’s situation is different, which is why we offer tailored mortgage advice in Nottingham.
We take the time to understand your financial background, assess your eligibility, and provide clear, practical guidance.
Whether you’re a first-time buyer, moving home, or looking to remortgage, we’ll help you navigate the mortgage process with confidence.
Unlike banks that only offer their own products, we have access to a wide range of lenders, including those who specialise in bad credit mortgages in Nottingham.
These lenders consider applications on a case-by-case basis, rather than applying strict automated criteria.
This means we can match you with lenders who are more likely to approve your mortgage, even if you have a less-than-perfect credit history.
Applying for a mortgage can be complicated, especially if you’ve had credit issues in the past.
Our mortgage broker in Nottingham handles everything for you, from finding the right lender to submitting your application and dealing with any paperwork.
We’ll keep you updated throughout the process, ensuring everything runs smoothly from start to finish.
Before applying for a mortgage, it’s important to know what’s on your credit report.
Lenders offering bad credit mortgages in Nottingham will check your credit history to assess risk, so reviewing your file in advance can help you spot any problems.
Mistakes on your report do happen, and correcting them could make a difference to your application.
You should also consider the age of any credit issues, as older problems usually carry less weight.
If you have a poor credit history, saving a larger deposit can improve your mortgage options.
A bigger deposit reduces the lender’s risk and may help you secure a better deal.
For bad credit mortgages in Nottingham, a deposit of 15% or more is often required, though this can vary.
The larger your deposit, the more flexibility you may have when choosing lenders.
Lenders will want reassurance that you can manage your mortgage repayments.
Having a stable income, a steady employment history, and manageable outgoings all work in your favour.
If you can demonstrate that you’ve handled your finances responsibly since any past credit issues, this can make a positive impact on your application.
With so many factors to consider, getting mortgage advice in Nottingham is one of the best things you can do.
Not only can an advisor find lenders who are more understanding of your situation, but they can also help you present your application in the strongest possible way.
They’ll support you from start to finish, making the process feel far less complicated.
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Nottinghammoneyman.com & Nottinghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Nottinghammoneyman 2025.
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Nottinghammoneyman.com & Nottinghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Nottinghammoneyman 2025.
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