Ways to qualify for a home loan with bad credit

Do you have any adverse credit that you know of?*

Adverse credit includes late payments, defaults, ccjs, mortgage arrears, IVAs and Bankruptcies.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Just so you know, we take your privacy seriously and will only use your personal information to contact you (via phone / email / text) with updates on the progress of your enquiry and provide information only on relevant products and services.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

We are searching through lenders using the UKs leading experts

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your MoneyNest Expert™.

Why use us?

Whatever your situation, at MoneyNest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

Almost Done

Now we just need your details so we can match you with your OMA Expert™.

Why use us?

Whatever your situation, at Money Nest we know that everyone's circumstances are different. That's why we only work with expert brokers who have a proven track record in securing mortgage approvals

Higher chance of approval
No impact on credit score
We don't charge a fee
There for you every step of the way
Rated excellent on Trustpilot, Feefo and Google

If you need any help, we are available for you.

0921 888 3260

Mortgage provider	No credit history	Low credit score	A history of late payments?
Accord mortgages	Case by case basis	Possible	Yes
Barclays	Case by case basis	Case by case basis	Yes
Halifax	Case by case basis	Case by case basis	Yes
HSBC	No	No	Yes
NatWest	Case by case basis	Case by case basis	Yes
Santander	Case by case basis	Case by case basis	No
Virgin Money	No	Possible	Yes

Mortgage provider	Missed mortgage payments	Defaults	CCJs	DMPs	IVAs
Accord mortgages	Max one in last 2 years	Up to max £500	If settled after 3 years	Yes ,if settled	Yes after 6 years
Barclays	Max 3 in last 2 years	Up to max £200 and settled	Max £200 if after 3 years	Yes, if settled	Yes after 6 years
Halifax	Yes	Yes	Yes	Yes, if settled	Yes after 6 years
HSBC	No	Yes after 3 years	Yes after 3 years if settled	Yes, if settled	Yes after 3 years
NatWest	Yes, if it did not happen in last year	Yes, if settled	Yes, if settled	Yes, if settled	Yes after 6 years
Santander	Yes after 1 year	Yes after 1 year	Yes, if not within 3 months	Yes, if settled	No
Virgin Money	Max 2 but ignored after 6 months	Max value £2000 if paid	Yes, if max value is £500	Yes, if settled	No

Mortgage Provider	Bankruptcy	Repossession	Multiple credit problems
Accord mortgages	Yes, if discharged after 6 years	Yes after 6 years	Yes
Barclays	Yes, if discharged after 6 years	No	Yes
Halifax	Yes, if discharged after 6 years		Yes
HSBC	No	No	No
NatWest	Yes, if discharged after 6 years		Based on the time frame and severity
Santander	No	No	Yes
Virgin Money	No	No	Yes

Ways to qualify for a home loan with bad credit