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Need a Mortgage, but have a poor Credit History?
If you’ve had credit problems in the past, you might be worried that getting a mortgage is out of reach. The good news? It’s still possible. Whether you’ve had missed payments, defaults, CCJs, or even a previous bankruptcy, there are lenders who specialise in helping people like you get on the property ladder.
Bad Credit? You Still Have Options
At Optimus Mortgages, we help people with poor credit histories find a mortgage that suits their situation. Every lender has different criteria, and while high-street banks may say no, specialist lenders can take a more flexible approach—looking at your current situation rather than just your past.
We can help you:
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Find lenders who accept low credit scores, defaults, and CCJs.
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Get a mortgage with a smaller deposit than you might expect.
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Explore options if you’ve had bankruptcy or an IVA in the past.
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Improve your chances of approval with expert mortgage advice.
Home buyers and homeowners want friendly, no-pressure advice from someone who genuinely cares about helping them make the right decisions, not just getting the deal done.
Whether you are a first-time buyer trying to make sense of it all, a home-mover looking to secure your next step, or a homeowner wanting to switch to a better deal, click below to get your free guide which will help you understand what you need to get mortgage-ready, avoid delays, and secure the most suitable finance for your circumstances.
Rebuild Your Financial Future
Having bad credit doesn’t mean you can’t get a mortgage—it just means you need the right lender and the right advice. We’ll help you understand what’s possible, how to boost your chances of approval, and what steps you can take to secure the best deal available.
Take the First Step Today
You don’t have to navigate this alone. Speak to one of our specialist mortgage advisers for a free, no-obligation consultation, and let’s explore your options together.
📅 Book a free consultation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED ON IT.