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What is Bad Credit?
Bad credit refers to a history of financial issues that may make lenders view you as a higher risk. This is usually recorded on your credit report and can include:
Missed or late payments
Defaults on credit agreements
County Court Judgements (CCJs)
Debt management plans (DMPs)
Bankruptcy
Not all credit issues are treated the same. Some are considered minor (like occasional missed payments), while others are more serious. The key thing lenders look at is how recent the issue was, how severe it was, and how well you’ve managed your finances since.
The amount of the adverse credit in £££, the severity of it - how long the account was in arrears or how far the court precedent went or whether it was a full bankruptcy, lenders will look at these 3 factors when determining if they can lend to you or not.
Can I Still Get a Mortgage with Bad Credit?
Yes in many cases, you can still get a mortgage with bad credit.
There are lenders who specialise in helping applicants with adverse credit histories, and they assess applications differently from high street banks. Instead of focusing only on your past, they also consider:
Your current financial stability
Your income and affordability
How long ago the credit issues occurred
The size of your deposit
As a mortgage broker in Hull, we know which lenders are more flexible and how to present your application in the best possible light. Getting a mortgage with bad credit in Hull is very achievable with the right advice and that’s where we come in.
What Mortgage Options Do I Have if I Have Bad Credit?
If you have bad credit, you still have several mortgage options available, including:
Specialist lenders who cater specifically for adverse credit applicants
High street lenders (in some cases), depending on the severity and age of the issue
Fixed-rate mortgages to provide payment stability
Remortgage options if you already own a home and want to improve your deal
The range of options will depend on your individual circumstances, but the key is accessing the right lender. At Green & Green, we compare 80+ lenders to find the most suitable deal, not just one you qualify for, but one that works for your long-term goals.
Book your free mortgage appointment today and take the first step towards getting a mortgage with bad credit in Hull.
Do I Need a Bigger Deposit if I Have Bad Credit?
In most cases, yes — having a larger deposit can significantly improve your chances of getting approved. Typically:
The more severe or recent the credit issue, the larger the deposit required
A bigger deposit reduces the lender’s risk and may help you access better rates
Most lenders deposit/ equity amount required starts at 15% of the property value
That said, not everyone needs a huge deposit. Some lenders will consider applications with smaller deposits depending on your credit score, when the adverse credit was registered and the severity of that adverse credit.
As a trusted mortgage broker in Hull, we’ll give you a clear idea of what deposit you may need and how to position your application for success.
How Does the Bad Credit Mortgage Process Work?
01 - Initial Consultation
We start with a relaxed conversation to understand your credit history, income, and goals.
02 - Credit & Affordability Review
We assess your credit profile and identify which lenders are most likely to accept your application.
03 - Whole of Market Search
We search across 80+ lenders, including specialist providers, to find you suitable mortgage options for your circumstances.
04 - Recommendation
You’ll receive a clear recommendation showing your mortgage options, rates, and monthly payments and we will talk you through each detail.
05 - Application & Completion
We handle the application process and support you through to completion, keeping everything as smooth and stress-free as possible.
Why Use a Mortgage Broker in Hull for Bad Credit Mortgages?
When you have bad credit, choosing the right lender is crucial and going directly to a bank can limit your options as many high street lenders do not lend on adverse credit cases. When you work with Green & Green, you get:
Access to specialist and high street lenders
Expert guidance on complex credit situations
Tailored advice based on your full financial picture
Help improving your chances of approval
Full support from enquiry to completion
We understand that every situation is different, and we’ll always focus on what’s achievable for you.
Speak to a Bad Credit Mortgage Adviser in Hull
If you’ve been told “no” before, it doesn’t mean it’s the end of the road. We’ll help you understand:
Whether you can get a mortgage now
What lenders are likely to accept you
How much you could borrow
What steps you can take to improve your chances
Bad Credit Mortgage FAQs
Q: How long does bad credit stay on my file?
Most credit issues stay on your file for 6 years. However, many lenders are more concerned with recent history, so older issues may have less impact.
Q: Will I pay higher interest rates with bad credit?
Usually, yes. Lenders may charge higher rates to reflect the increased risk. However, rates can improve over time as your credit profile strengthens.
Q: Can I improve my chances of getting approved?
Yes — simple steps like paying bills on time, reducing outstanding debts, and avoiding new credit applications can make a big difference.
See our article on 'The Difference Between Credit Score & Credit History'.
Q: Can I remortgage later if my credit improves?
Absolutely. Many people start with a specialist lender and then remortgage to a better rate once their credit profile improves.
Get in Touch
Give us a call or drop us an email—whatever works best for you.
Have a Quick Chat
Speak with one of our friendly, experienced advisers to see how we can help - no pressure, no commitment.
Book Your Appointment
If it feels like the right fit, we’ll arrange a face-to-face or Teams meeting at a time that suits you.
We Do the Hard Work
Once we’ve got everything we need, we’ll search across a wide range of lenders and insurers to find the right solution for you.