Premium Lending
Poor Credit
Helping you secure a mortgage—even with a poor credit history.
At Alexanders FA, we understand that a poor credit history doesn’t define your financial future.
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Free 15 Min Discovery Call
Expert Advice
Market Leading Packages
Access to Specialist Lenders
We work with over 30 specialist lenders who are open to applications from individuals with:
- CCJs (County Court Judgments)
- Defaults or missed payments
- Debt Management Plans (DMPs)
- IVAs (Individual Voluntary Arrangements)
- Previous bankruptcies
Even if you’ve been turned down elsewhere, we may still be able to help. We also assist with schemes like Help to Buy, Right to Buy, and Shared Ownership.
About bad credit
What Is a Bad Credit Mortgage?
While there’s no official product called a “bad credit mortgage,” the term refers to mortgages offered to people with a lower credit score or adverse financial history. These mortgages may come with higher interest rates or additional fees, but they still provide a viable route to homeownership.
Also known as adverse credit mortgages or subprime mortgages, these products are designed for those whose credit history includes things like missed payments, defaults, or financial agreements like DMPs or IVAs.
Can You Still Get a Mortgage with Bad Credit?
Yes. Even if your credit score is low, or you’ve faced serious credit issues in the past, you may still qualify for a mortgage. Our advisers will assess your full financial picture—not just your credit score—and work to find the most suitable lender for your circumstances.
The good news? Making regular mortgage payments—even on a bad credit mortgage—can help rebuild your credit score over time. In a few years, you may be eligible to switch to a more competitive deal with a lower rate.
See if You’re Eligible
You can complete our quick pre-qualification form, which gives us an overview of your situation—without affecting your credit score. Prefer to speak directly? Arrange a call with one of our mortgage specialists today.
How it works
The Alexanders FA Mortgage Process: Simple and Straightforward
Complete our pre-qualification form
Let us know a few basic details about your mortgage needs.
Speak with a specialist
One of our experienced advisers will call to understand your circumstances more fully.
We search the market
We’ll compare options from our panel of lenders to find the best fit for your situation.
Get your Decision in Principle
If you’re happy to proceed, we’ll secure a Decision in Principle (DIP) from a lender and move forward with your application.
Reviews
A Genuine Five-Star Experience.
We wouldn’t be where we are without our incredible clients. We take pride in building genuine, one-on-one relationships, offering tailored mortgage advice that suits each individual’s needs.
Jasmine Brown
Allen Whittell
