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Obtaining a mortgage when you have a bad credit rating or poor credit history

Gone are the days when having a poor credit history prevented you from taking out a mortgage, remortgage or getting a loan.

As a broker specialising in loans and mortgages for people with bad credit rating we can help you if you are in this situation. We have access to the entire market of lenders in the UK and we have a thorough knowledge of the marketplace.

We know which lenders will be able to provide you with a bad credit mortgage and as we have access the whole market we'll be able to find the most competitive mortgage for you.

If you are suffering from credit problems for any reason,  help is available for you. We can help you if

You have a poor credit rating due to past problems repaying a mortgage, credit card, loan or other finance.

You are an ex bankrupt and are now discharged.

You suffer from a low credit score due to divorce, redundancy or long term sickness

You are self employed or have a variable income including part-time and temporary workers.

If you have CCJs as a result of failing to pay a bill or repay previous credit agreements.

No matter what your circumstance with Stirling Mortgages you can be assured you are getting quality service, competitive deals and the best mortgage for you.

If you need to arrange a mortgage or remortgage, don't hesitate, call us now, on:

0845 257 2492

Or apply online now for a no obligation quote.

Mortgage - Apply Online

Get your fast, no obligation, mortgage, remortgage or loan quote now.

The overall cost for comparison is 7.6% APR. The actual rate payable will depend on your circumstances. For full details please ask for a personalised illustration.

Adding existing debt to your mortgage will increase both the repayment term and the overall cost. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

HM Forces?

We specialise in providing mortgages to army, navy and airforce personnel. Find out more about our mortgages for HM Forces >>

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Need to reduce your monthly outgoings?

We regularly save our customers hundreds on their monthly outgoings. Find out more>>

Self employed?

No problem we can arrange you the mortgages or loans you need.

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Bad credit rating?

Don't worry we can help you get a mortgage even if you have a bad credit history.

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Property investor?

We specialise in flexible mortgages for property and buy to let investors.

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Stirling Mortgage Network Limited is a company registered in England no. 04405935. Registered Office: Fairstowe Chambers, Library Road, Ferndown, Dorset, BH22 9JW. Stirling Mortgage Network Limited is authorised and regulated by the Financial Services Authority FSA Reg. 301049. This site is directed only at persons in the UK. Calls to Stirling Mortgage Network Limited will be recorded for training and monitoring purposes. Investment mortgage contracts are not regulated by the Financial Services Authority. A broker fee is chargeable on completion depending on your circumstances, however this fee will be no more than 3% of the loan amount (subject to a minimum of £950). Early repayment charges will apply. These charges vary depending on the mortgage you choose. For full details please ask for a personalised illustration.