Bad credit doesn't mean no options
A bad credit rating can be the result of your borrowing history, missed payments, credit applications, missed payments and even whether you’re on the electoral register.
It’s likely that lenders will look at your credit history when making a decision about your mortgage but having a bad credit rating isn’t the end of your road.
We’ve pulled together some financial tools, a handy guide and practical tips to help you improve your credit score to strengthen your chances when you sit down with a lender.
Getting a mortgage with a low credit score
Everything you need to know about getting a mortgage with a low credit score in one place…
By filling out the form below, you'll receive our free guide and bi-weekly emails containing information to help you become a home owner.


Five quick wins to improve your credit score
1. Pay your bills on time
Set reminders, check due dates and arrange Direct Debits to pay your bills on time.
2. Reduce credit card balances
Try to keep within 30% of your available credit and set realistic spending budgets.
3. Don’t open new accounts…
Applying for new credit cards and loans in a short period can lower credit scores.
4. … but don’t close old accounts either
Keeping older, well-maintained credit accounts open reflects positively on your score.
5. Get on the electoral roll
This validates your identity and can be done quickly on the government’s website.
Important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How much can you afford to borrow?
Enter in a few details about you income and outgoings along with some property information. We’ll search through a pool of over 50 lenders to find an estimate of your mortgage affordability.
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Make sure you check the tick box to stay up to date with the latest mortgage information.
Case study

“We were caught between a rock and a hard place…”
If you’ve got a poor credit score and you’re looking to buy, you’re not alone.
Sam and Samantha were stuck in a loop of being unable to clear debt because they were saving for a deposit and paying rent.
Help only came when they spoke to MAB which found alternative solutions to their problems and helped them move into their first house together.
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