Mortgages for People with Bad Credit

Past credit problems can make applying for a mortgage feel uncertain. A missed payment, default or previous rejection may leave you wondering where to turn. Having bad credit does not automatically rule out a mortgage — but understanding your options before applying matters.

Our advisers in Peterborough help you explore mortgages for people with bad credit, with clear advice based on your circumstances.

Check out our reviews

Based on [testimonials_count] Google Reviews

    
 
 
       Posted on Google  
   
   tony peluso 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used Tony for mortgage advice for many years, and he has also helped several members of my family during that time. He has always been extremely professional, knowledgeable and approachable, taking the time to explain everything clearly and making the whole process as straightforward and stress-free as possible.

The fact that I have been happy to recommend Tony to my own family probably says more than anything else. He is someone I trust completely and I wouldn’t hesitate to recommend him to anyone looking for mortgage advice.
  
 
      Posted on Google  
   
   Chloe Baker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and his team are brilliant. Tony is always organised and strives to get the best possible rates! I feel like Tony and his team have his best interests at heart!
  
 
      Posted on Google  
   
   Carrie Lloyd 
 
 
 
 Trustindex verifies that the original source of the review is Google. After my experience with Bespoke on two separate mortgage, I wouldn’t go to anyone else. My life was a complicated journey and not easy to obtain a mortgage after living abroad for years. But Tony was able to go above and beyond, knowing with decades of experiences which lender was the most suitable for their client. Their name Bespoke is not just a marketing trick, they live this out for every person who seeks their advice. They helped my dreams come true and lead with excellence, optimism and integrity. Don’t use anyone else, this company is second to none.
  
 
      Posted on Google  
   
   Louie McGowan 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Bespoke were absolutely sensational. They made things happen that others had struggled to do, whilst keeping us calm and collected with continuous support and guidance throughout the process.

We look forward to working with the team again in the future and would be more than happy to recommend their services to anyone. Thank you again guys!
  
 
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   NicChrisdamms Damms 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony has always offered me fantastic service for over 15 years now . As a company, I feel Bespoke always goes above and beyond. I would not have a single hesitation in recommending them for your mortgage requirements
  
 
      Posted on Google  
   
   Liz Dolman 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have used Tony from Bespoke Mortgage and Finance Centre since 2014 and would highly recommend Tony.  Very thorough and explains everything to you.
  
 
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   David Wilson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service from Bespoke. I had a previous mortgage broker who selfishly got deals that were right for her rather than my  requirements, and her greed ended up with all 3 property remortgages falling through and failing the stress test. Tony and the team expertly repaired the applications with the correct re-mortgage products  and applicable terms. Communication was reassuring during that uncertain time with regular check points and updates. The professionalism and efficiency was first class and I would not use anyone else moving forwards!
  
 
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   Denise Dodd 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
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   Chris Ruggiero 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and the team at Bespoke Mortgages are absolutely fantastic. I consistently return to Tony for support when trying to organise Mortgages and he always pulls through!
  
 
      Posted on Google  
   
   Craig 
 
 
 
 Trustindex verifies that the original source of the review is Google. We've been using Tony and the team at Bespoke Mortgage Centre for years. Down to earth and professional, truly a company I can trust and recommend to friends and family for any mortgage or finance needs. First Class Service every time.

THE BMFC APPROACH

Bad Credit Mortgage Advice in Peterborough from BMFC

We take time to understand what happened, when it happened and how your finances look today. That context helps us assess relevant lender criteria alongside your income, spending and deposit.

At Bespoke Mortgage & Finance Centre, we compare suitable options from a range of lenders before helping you prepare an application. You receive an explanation of the rates, fees and requirements, plus a realistic view of whether applying now is appropriate or further preparation would help.

Shared Ownership with Bad Credit

Explore buying a share of a property with advice on your credit history, deposit and the combined costs of mortgage payments, rent and charges.

Right to Buy with Bad Credit

Looking to buy your council property? Understand how your credit record, eligibility and Right to Buy discount could affect your mortgage options.

Bad Credit Buy-to-Let Mortgages

Credit issues affecting your property investment plans? Get advice on lender criteria, rental income and the deposit you may need.

Help to Buy with Bad Credit

Already have a Help to Buy Equity Loan? Explore mortgage and remortgage options that take account of both your existing loan and credit history.

BEFORE YOU APPLY

A Few More Things to Consider

Explore the details that matter to your decision. If you would like to discuss your own circumstances, our advisers are here to help.

How Do Credit Problems Affect My Options?

Lenders assess credit issues differently. Missed payments, defaults, County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs) and bankruptcy can affect your options, but their significance depends on the lender and the details.

How recent the issue is, the amounts involved and whether it has been resolved can all matter. Limited credit history is different from a record of missed repayments, although it can also influence an assessment.

Will I Need a Larger Deposit?

There is no single credit score or deposit requirement that guarantees approval. Lenders also assess whether you can afford the repayments.

A larger deposit may widen your options, but some applicants will still face higher rates or fewer suitable products. We help you understand what this could mean for your budget.

What Should I Do Before Applying?

Check your credit reports for errors and make sure your details are accurate. Keeping payments up to date and reducing outstanding debt where possible may help strengthen your position over time.

If you have been declined, seek advice before making further applications. Multiple applications involving hard credit searches can affect your credit record.

YOUR NEXT STEP

Worried About Your Credit History? Let’s Talk

Whether you are buying your first property, moving or looking to remortgage, start with a conversation about your circumstances.

Our advisers will help you understand your mortgage options with bad credit and what your next step could be.

Your property may be repossessed if you do not keep up repayments on your mortgage.

East Midlands / Peterborough:

01733 331 603

East Anglia / Cambridge:

01223 987422

Bad Credit Mortgage