Remortgages and Mortgages for people with low credit score

A poor credit score is no longer a barrier to securing a mortgage to buy your home. 

In recent years a number of lenders have realised that those clients with a tarnished credit record were not necessarily going to default on their mortgage repayments. In fact most people with a blip on their credit record have a very good reason for missing bill payments or getting into financial difficulty.

Often life-changing events, such as redundancy, divorce or ill health can lead to money problems through no real fault of those involved.

Many high street lenders have a dedicated sub-prime (also known as adverse) or specialist lending arm of their business that operates solely in niche lending areas. UCB Home Loans, owned by Nationwide, and Platform, owned by Britannia Building Society, are just a couple of examples. And many of these specialist arms have expanded rapidly in recent years. For instance, Birmingham Midshires is the specialist lending arm of HBOS, which has five mortgage brands including Halifax, the country’s biggest mortgage lender. 


Anyone with a poor credit record should shop around for the best rates in the same way they would for a mainstream mortgage.

Lending companies make their lending decisions based on information held by credit reference agencies, so its always worth checking that the information they hold about you is correct.

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