Why use a Bad Credit Mortgage Broker?
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.
Right lender first time
Apply to lenders who will say yes. Avoid rejections that further damage your score.
Case presentation
Experienced brokers know how to present adverse credit history in the most favourable light.
Timing matters
Waiting a few months before applying can improve your options significantly. Your broker advises when to apply.
Whole specialist market
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 regulatedWhat our customers say
"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."
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How Nesto works
Getting matched takes under 2 minutes. Here's the process:
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of bad credit mortgage adviser you need.
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Our matching engine connects you with the best-fit, FCA-regulated Bad Credit Mortgage Broker from our vetted adviser panel.
Get expert advice — free
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 matchedWhat a Bad Credit Mortgage Broker can help with
CCJs
County Court Judgements don't always prevent a mortgage. Lenders assess age, amount and satisfaction status.
Missed payments
One or two missed payments needn't disqualify you — specialist lenders assess the pattern and recency.
Defaults
Satisfied defaults over 12–24 months old are accepted by many specialist lenders.
IVA/Debt management
Currently in or recently completed an IVA or DMP — specialist lenders exist for your situation.
Bankruptcy
Even discharged bankruptcy doesn't mean no mortgage — timing and deposit matter most.
Low credit score
A low score without specific adverse events — specialist lenders take a holistic view.
Frequently asked questions about Bad Credit Mortgage Brokers
Still have questions? Your matched adviser will answer them all — for free.
No obligation · FCA regulated · Takes 2 minutesWe cover every corner of the UK
Find a bad credit mortgage broker near you. Nesto matches you with specialist advisers across the UK:
Covering 886 locations across the UK
Related Articles
Expert guides to help you make informed decisions
Can I Get a Mortgage With Bad Credit?
Can you get a mortgage with bad credit in the UK? Yes. We explain your options for CCJs, defaults, IVAs, and how specialist lenders and brokers can help.
📖 7 min read → GuideMortgage With a CCJ: What Lenders Want to See
Can you get a mortgage with a CCJ? Yes, depending on when it was registered, the amount, and whether it's satisfied. We explain what lenders look for.
📖 6 min read → GuideMortgage After an IVA: How Long Do You Have to Wait?
How long after an IVA can you get a mortgage? We explain the timelines, which lenders consider IVA applicants, and how to improve your chances of approval.
📖 6 min read → GuideMortgage With Defaults on Your Credit File
Can you get a mortgage with defaults? Yes. We explain how lenders view satisfied vs unsatisfied defaults, timelines, and how many defaults is too many.
📖 6 min read → GuideHow to Improve Your Credit Score for a Mortgage
Want to boost your credit score before applying for a mortgage? Practical steps including electoral roll, credit utilisation, and cleaning up your credit file.
📖 6 min read → GuideMortgage After Bankruptcy: When Can You Buy a Home?
How soon after bankruptcy can you get a mortgage? Typically 1-6 years depending on the lender. We explain the timeline and how to prepare your application.
📖 6 min read →Ready to find your Bad Credit Mortgage Broker?
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.
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