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Need help getting a mortgage with adverse credit?

If you find have minor credit problems and are looking to get a mortgage, we may be able to help. Our award-winning team specialise in increasing buyers’ affordability to help them get on the ladder. Create a Tembo plan today, or learn more about the options available below.

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What types of adverse credit can we help?

No matter the size of house deposit you have, or the type of property you wish to buy, if you have a poor credit rating it’s often harder to get a mortgage. If you’ve missed small payments in the past such as a phone bill, we may be able to help you get a mortgage. To find out what you could afford, create a plan with us today for free. 

If you've got an active IVA or DMP, have declared bankruptcy or had your home repossessed in the past, there will be limited mortgage options available to you. While we still may be able to help, we recommend you speak to a specialist adverse credit mortgage lender.

You can use CheckMyFile to see your credit report from the three main credit referencing agencies - Experian, Equifax and TransUnion - to check your score across all three and spot any issues which need addressing.

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“Don’t be put off if you have bad credit. There are options out there to help you get a mortgage, although these are more limited than for someone with a good credit rating. Work with a mortgage broker like Tembo who has the expertise to scout out all the options open to you.”

Kirsty White

Head of Mortgages at Tembo

If you’ve had a CCJ in the past, we might be able to help

If you’ve had a county court judgement (CCJ) in the past for a nominal amount, we might still be able to help you get a mortgage. However, if your CCJ has been for a larger amount, we'd recommend you talk to a mortgage broker who specialises in adverse credit.

Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


Buy with help family or friends

Boost how much you can borrow with help from family or friends. Whether you need a guarantor, or are looking to get a joint mortgage together, Tembo can help. Create a free plan today to see what you can afford, and get a personalised recommendation. Or, keep reading to see some of the ways you could increase your borrowing potential.

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Income Boost

Also called a Joint Borrower Sole Proprietor mortgage, an Income Boost is where you add a friend or family member’s earnings to your application. With a larger combined income you can borrow more, so you can get on the ladder sooner or afford a larger property.

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Deposit Boost

If you have bad credit, depending on the severity the lender may want you to put down a larger deposit. Through a Deposit Boost, you can unlock money from a loved one's home to top up your house fund, or be used as your entire deposit.

Savings as Security

If a family member wants to help you and has cash savings, they could use a Savings as Security mortgage. They'll deposit 10% of the home's value for a set term. At the end, they'll get their savings back plus any accrued interest, as long as you keep up with the repayments.

Co-owning with friends or family

Buying a home with loved ones can be a great way to increase how much you can afford, especially if your bad credit is limiting how much you can borrow. To see what you could afford together, create a free Tembo plan.

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Dynamic Income Boost

Add some or all of a family member’s earnings to your household income to increase your budget. They can build up an equity stake by contributing to the month repayments, but won’t own your home.

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Deposit Loan

Get on the ladder sooner, with an equity loan from a loved one. In return for providing you a deposit, they benefit by owning a percentage of your property.

Dynamic Ownership

Buy a property with up to five others and track your individual contributions through a home agreement. Together, you can boost your buying budget and buy sooner.

Buying by yourself

If you don’t have family who can support you or you want to buy by yourself, there may still be ways you can get a mortgage with poor credit. To find out what mortgage schemes you could be eligible for, create a free plan to get a personalised recommendation including indicative monthly payments and interest rates.

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Shared Ownership

Make the unaffordable, affordable with a private Shared Ownership mortgage. These part buy, part rent schemes let you buy a share of a home, then staircase up to full ownership.

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Professional Mortgage

If you work in a professional job, such as a doctor or solicitor, you may be eligible for a higher lending scheme. This allows you to borrow a higher multiple of your salary, up to 5.5 or 6.5 times your income.

Forces Help To Buy

If you are a serving military personnel, you could borrow up to 50% of your annual salary to boost your house buying budget with the Forces Help To Buy scheme.

Deposit Unlock

With the Deposit Unlock scheme, you could purchase a new-build property from a participating home builder with just a 5% house deposit.

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