Bluebell Mortgages
  • First Time Buyer

    Bluebell Mortgages are expert mortgage brokers and have a detailed knowledge of mortgage lenders’ and first time buyer mortgages.

    Moving Home

    We can inform you of all the likely fees associated with a house move, identify your current position and calculate your likely required loan amount.


    If you already have a mortgage and your current deal is due to expire in the next 6 months, we can help find you the most effective deal for you.

    Buy To Let

    We have a vast experience of the Buy To Let market and are able to offer our clients detailed advice on the correct method of funding potential purchases.

    Shared Ownership

    An effective way for first time buyers to get on the property ladder, it can considerably reduce the amount needed for a deposit.

    Specialist Finance

    Bluebell Mortgages have specialist advisors who can assist you with your first or next commercial or self-build development.

    Older Borrower

    The days of retiring at 65 are disappearing fast, people are living longer and borrowers are getting older.


    This can range from Life Assurance to protect your mortgage or family, Critical Illness cover, Income Protection and General Insurance.

  • FAQ's

    We’ve collated our most frequently asked questions below, but if there’s a question on your mind that we haven’t covered, please get in touch.

    Success Stories

    We’re passionate about helping people get to where they want to be on the property ladder. Our customers share their stories of how we helped them.

    Knowledge Base

    Here we can share with you our many years of industry experience & knowledge so that you can feel confident and prepared for your mortgage journey.


    We regularly post about all things in the Mortgage world and other industry information. We also post about what's going on at Bluebell Mortgages.

How Do I Get a Mortgage With Bad Credit

Having bad credit doesn’t necessarily mean that you can’t get a mortgage. At Bluebell Mortgages, we work with you and your personal circumstances to find the best option with your current financial situation.

The first thing to note when applying for a mortgage with bad credit is that you are likely to pay higher interest rates for the mortgage you will be offered. It might also mean that you need to provide a larger deposit when applying for a mortgage, however these are hurdles we can help you overcome. 

Bluebell Mortgages can help you to find the best option, and ensure that you can afford the mortgage to avoid further financial issues in the future.

A factor to remember when you have bad credit is that no lender is the same, and the things they are looking for when it comes to lending will be different for each application. Just because you were refused credit in the past, doesn’t mean every lender will refuse you credit moving forward. 

Finding out your credit score is a great place to start, as this will give you a good indication as to how bad your credit rating may be, and whether it is even bad at all – you might find that with time spent on improving this, that you are no longer considered to have bad credit. Bluebell Mortgages expert advisors will be able to help you to understand your credit rating and explain the options available to you with your current rating. 

In order to look your best to lenders, it’s important to demonstrate that you can manage your payments and budget accordingly, so if you’re looking to get a mortgage or remortgage, take a look over your accounts and see if there are changes you can make to help yourself be more desirable to a lender. This could be as simple as setting up your bills on a direct debit so there’s no chance a payment can go out late, and setting up regular payments for any credit cards or debts you may have. 

The mortgage that you are likely to be offered is no different to any other mortgage, although as mentioned before, interest rates are likely to be higher and there could be a limit on how much you can borrow in total. 

It could also be the case that you will have to put down a higher deposit on your property, and this could be a minimum of around 20-25% whereas ordinarily you may only need 10% or so. 

The reason for these differences is that someone with bad credit is seen as a higher risk, but this doesn’t mean you cannot get a mortgage at all. 

Bluebell Mortgages can help find the best option for your mortgage or remortgage, and even with bad credit, we will aim to find and recommend a solution that fits your budget and your individual needs. 

We can help you to find a mortgage, even with a history of bad credit, contact our friendly team today for a free consultation.

Have questions ?  Call us on 01473 213312

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