Bad Credit Mortgages: Your Path Home Starts Here.
A less-than-perfect credit history should not stand between you and your home. Access over 100 lenders — including specialist adverse credit providers — with expert guidance tailored to your situation.
Your home may be repossessed if you do not keep up repayments on your mortgage.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Whole of Market Access*
Including specialist adverse credit providers
Understanding Your Credit & Mortgages
A bad credit mortgage (also called an adverse credit mortgage) is designed for people who have experienced financial difficulties. Specialist lenders look beyond your credit score and assess your full financial picture.
These mortgages typically carry higher interest rates, may require a larger deposit and the application process may be more complex. As your credit improves, you can remortgage onto better rates.
Manual Underwriting
A real person reviews your case, not just an automated score.
Specialist Lenders
Access to broker-only lenders who specialise in adverse credit.
Why Choose KB Mortgage Solutions
- ✓Whole-of-market access including specialist adverse credit providers not found on comparison sites
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Access to Whole of Market
We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
What Credit Issues Can Affect Your Application?
Specialist lenders assess each case individually. We support clients with a wide range of adverse credit issues. Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
County Court Judgments (CCJs)
Many specialist lenders consider applications where the CCJ is over 12 months old — especially if satisfied. The amount and settlement status are key factors.
Defaults
Lenders work with both satisfied and unsatisfied defaults. Age, amount, and type all influence which lenders will consider your application.
IVAs
Active or discharged IVAs do not automatically disqualify you. Discharged IVAs with a reasonable deposit can open up many lender options.
Bankruptcy
Some specialist lenders consider applications from 1 year after discharge. Options increase significantly at 3 and 6 years.
Missed & Late Payments
The number, recency, and type matter. A pattern of recent improvement significantly strengthens your application.
Low Credit Score
One lender declining you does not mean all will. Specialist lenders use manual underwriting and assess your overall financial position.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Should I Apply Now or Wait?
Waiting for adverse items to drop from your file is not always the right choice. The decision depends on your specific circumstances.
- ✓Specialist lenders can consider your case today — not just when your file is perfect
- ✓Our KB Property Life-Time Guarantee (subject to terms) means you move to better rates as your credit improves — free
- ✓In some cases a mortgage repayment can compare favourably to rent — this varies by individual circumstances
Your home may be repossessed if you do not keep up repayments on your mortgage.
Standard vs Bad Credit Mortgage
A clear side-by-side comparison
| Feature | Standard Mortgage | Bad Credit Mortgage |
|---|---|---|
| Min. Deposit | 5–10% typically | 15–25% typically |
| Interest Rate | Standard rates | Higher initially |
| Lender Type | High street banks | Specialist lenders |
| Underwriting | Automated score | Manual review |
| Future Remortgage | Standard fees apply | Free via KB Guarantee† |
KB Mortgage Solutions Life-Time Guarantee is subject to terms and conditions. Available on like-for-like remortgages on the same property. Ask KB Mortgage Solutions for full details.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
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Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online