Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
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.
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
4.96 Rating355 Reviews
Rachel
Conor (Mortgage Advisor) and Lizzi (Case Manager) have been fantastic from start to finish. As first time buyers, we felt the information was explained clearly and updated regularly. I would recommend them to anyone!
Heather
Recommended by a friend. For us as first time buyers it was absolutely the best decision to come to Chris at Notts money man. The advice and finding the right products felt easy and we learned as we went through the process. Will definitely come...
Anonymous
Very efficient and good communication. I had a good experience and successfully applied for a mortgage with their help.
Robert
UK Money Man, Conor and the team were great and sourced us a mortgage that we were unsure we could get. Second time using UK Money Man and we would certainly use them again. Fantastic service
Olivia
As a first-time buyer, I wasn’t really sure what to expect with getting a mortgage, but Matt at Nottingham Money Man was brilliant from start to finish and immediately put us at ease from the first phone call. He explained everything really...
Anonymous
Very helpful, just what we needed.
Karen
Smooth transition. Meetings on time. Lovely and really helpful staff who know what they’re doing and all for your best interest.
Katie
These mortgage brokers are amazing, there quick responses made a stressful time feel like a breeze and answered any questions I had promptly and in detail. I could not recommend a better mortgage broker!
Christian
Great service and independent advise one again and our 3rd remortgage with Nottinghammoneyman. Found us a great option once again and a mortgage offer recieved very quickly. Would strongly recommend to anyone.
Abigail
I've used these Mortgage Brokers since I purchased my first house. I have renewed my mortgage with them twice since, it's helpful that they send you a reminder to discuss options 6 months before the renewal. Conor Longthorn who helped me with...
Anonymous
The staff (Matt and Lewis) were really helpful at every stage and got me a mortgage without much hassle at all.
E
Brilliant service from Paula Milner and Malcolm! If you have a particularly complex case as mine was this is the team whose hands you want to be in. Paula has the patience of a saint and handled the ups and downs of this process with empathy and...
Anna
Have dealt with this company for a few years now. Always seems hassle free and straight forward. Very good communication via email and phone appointments. Will continue to use and recommend 👍
Mr Christopher
Was very helpful and couldn’t thank enough
Dylan
Can’t thank Leo from Nottingham Money Man enough, with us every step of the way answering all the questions us as first time buyers had and helping with organising solicitors and lift insurance, can’t recommend this gent enough.
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.
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.
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
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!
Shaun
Listened, advised well and very efficient. Excellent
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 most suitable 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.
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.
Download For Free
Read our 355 Reviews
Nottinghammoneyman 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.
© Nottinghammoneyman 2009–2026
Contact
Follow Us
Nottinghammoneyman 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.
© Nottinghammoneyman 2009–2026
Speak to an Advisor
7 Days a Week, 8am – 10pm
We value your privacy
This website uses cookies. If you continue to use the site, we will assume that you agree with our use of cookies.
