Bad Credit Mortgage Broker Oxford

We work with over 90 lenders, including specialists in bad credit mortgages. We’ll assess your situation, explain your options clearly, and match you with the most suitable lenders—giving you the best chance of success.

No. In fact, checking your credit report is a smart first step. It allows you to spot and correct errors and understand what lenders will see. We recommend getting a copy of your credit report from agencies like Experian, Equifax, or Checkmyfile.

Yes. Applying jointly with a partner or family member with good credit can sometimes improve your application. However, the lender will still assess both applicants’ credit histories

Yes. There are lenders who specialise in self-employed applicants, even with credit issues. You’ll need to show consistent income—typically through SA302s, tax returns, or business accounts—and may need a larger deposit.

You’ll typically need to provide:

• Proof of ID (passport or driving licence)

• Proof of address (utility bill, bank statement)

• Credit report

• Payslips or proof of income (last 3 months)

• Bank statements

• Details of your credit issues

We’ll help guide you through exactly what you need during your consultation.

Yes, some lenders will consider applicants with a history of bankruptcy, but it depends on how long ago it occurred and whether it has been discharged. Most lenders will expect the bankruptcy to be discharged for at least 12 months, with some requiring longer.

In most cases, yes—at least initially. Lenders charge higher rates to reflect the increased risk. However, once you’ve built a good payment history and improved your credit, you may be able to remortgage at a lower rate later on.

Bad credit can include missed payments, defaults, CCJs (County Court Judgments), IVAs, debt management plans, or bankruptcy. Even having little or no credit history can make some lenders cautious. The severity and age of the issue will affect your mortgage options.

Yes, you can. While high street banks may be more cautious, there are many specialist lenders who consider applicants with poor credit histories. These lenders look beyond your credit score and assess your full financial situation.