Bad Credit Mortgages — Specialist Advisers, 90+ Lenders
Past credit problems? Our mortgage advisers work with specialist lenders who look beyond your credit score. No credit check to get quotes.
What do you need today?
Select an option to begin — no obligation, no credit check.
Mortgages for all types of credit history
CCJs, defaults, missed payments or an IVA shouldn't end your mortgage hopes. We know the lenders who'll listen.
CCJs & defaults
We work with lenders who consider applicants with satisfied and, in some cases, unsatisfied CCJs and defaults.
Missed payments & arrears
A history of missed payments doesn't automatically disqualify you — specialist lenders take a wider view.
IVAs & debt plans
If you've had an IVA or are on a debt management plan, we can explore lenders who may still help.
Declined elsewhere?
Being turned down by a high street lender doesn't mean no options. We may still find you a route to a mortgage.
Specialist lender access
Lenders built specifically for complex credit, not just the high street.
Matched the same day
Speak to a mortgage adviser who specialises in bad credit cases — often within 24 hours.
Three simple steps to your best mortgage
Tell us about your mortgage
Answer a few simple questions about your situation. No paperwork, no credit check.
You're paired with an expert mortgage adviser
Your mortgage adviser searches a wide variety of lenders — 90+ UK lenders — to find the best deal for your circumstances.
Get your tailored quotes
Your adviser contacts you with tailored quotes and expert guidance — no obligation.
Rated exceptional by UK homeowners
8,900+ verified Feefo reviews. Platinum Trusted Service Award winners. Real feedback from real CMME customers.
Read all reviews on Feefo
5/5 Service
Feefo Verified
“Fantastic 5-star service from CMME for my remortgage! They found me a much cheaper rate and made the whole process incredibly smooth.”
Sathya
Feefo Verified · Jul 2026
“Ben Goble was wonderful. He took time to understand our requirements and came up with an easy, well-priced solution, saving us a considerable sum on our existing deal.”
Richard Francis
Feefo Verified · Jul 2026
“Ben Goble was our mortgage advisor and the service received was excellent. He helped us look at a number of solutions that best met our requirements.”
Rich
Feefo Verified · Jul 2026
“Paige and the team at CMME were a pleasure to work with in my remortgage switch to NatWest. Thank you so much for all your hard work!”
Alfredo
Feefo Verified · Jul 2026
“Provided advice was really helpful for us, especially as we are first time buyers. Queries are answered and information provided really quickly and efficiently.”
Nikolett
Feefo Verified · Jun 2026
“I received excellent personalised service and was supported all through the process. Paige was particularly helpful in the way she explained everything.”
Damian
Feefo Verified · Jul 2026
Searching 90+ UK lenders
.svg){kind=logo}
