Help to Buy Mortgages with Bad Credit
If you bought your property with a Help to Buy Equity Loan and have since experienced credit problems, you may be unsure about your next mortgage deal. Our advisers in Peterborough help you explore your options, considering your mortgage, equity loan and credit history together.
The Help to Buy Equity Loan scheme in England is closed to new applications. This advice is for homeowners with an existing loan.
- Free initial consultation
- Advice for existing Help to Buy homeowners
- A review of your mortgage, equity loan and credit history
Check out our reviews

Posted on Google![]()
tony pelusoTrustindex 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 BakerTrustindex 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 LloydTrustindex 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 McGowanTrustindex 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!Posted on Google![]()
NicChrisdamms DammsTrustindex 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 requirementsPosted on Google![]()
Liz DolmanTrustindex 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.Posted on Google![]()
David WilsonTrustindex 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!Posted on Google![]()
Denise DoddTrustindex verifies that the original source of the review is Google.
Posted on Google![]()
Chris RuggieroTrustindex 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![]()
CraigTrustindex 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.
Review Your Help to Buy Arrangement with BMFC
We look at the whole arrangement: your current deal, outstanding equity loan, household budget and the details of any credit issues. We compare suitable options from a range of lenders and explain their rates, fees and requirements.
Our team helps you prepare the mortgage application and understand which parts require the Help to Buy administrator or your conveyancer. If more preparation is needed, we explain what to address before applying.


Your Mortgage and Equity Loan Are Separate Commitments
The equity loan helped fund part of your original purchase alongside your deposit and mortgage. It is separate from your repayment mortgage and may have interest and management charges.
When reviewing your next deal, allow for both commitments. The original equity loan was interest-free for the first five years; any charges now due need to be included in your budget.
Keeping or Repaying the Equity Loan
You may want to keep the equity loan while changing your mortgage, or explore repaying it in full or in part. These routes have different requirements, costs and effects on the amount you need to borrow.
Equity loan repayment is linked to the property’s current value and the share being repaid. Your adviser and conveyancer can explain the relevant valuation, approval and legal steps before you commit.

Help to Buy: Your Questions, Answered
Explore the details that matter to your decision. If you would like to discuss your own circumstances, our advisers are here to help.
Can I remortgage with Help to Buy and bad credit?
Credit problems do not automatically rule out a remortgage. Lenders consider the type, age and severity of the issue alongside your income, spending and existing borrowing. Your options also depend on whether the equity loan will remain in place or be repaid.
Do I need permission to change my mortgage?
If you keep your equity loan and switch mortgage lenders, you need permission from the Help to Buy administrator. Staying with the same lender without borrowing more generally does not require an application to the administrator, but check whether your lender needs a Deed of Postponement. Borrowing more or repaying the equity loan involves different requirements.
Which credit problems can affect my options?
Missed payments, mortgage arrears, defaults, CCJs, IVAs, debt management plans and previous bankruptcy can affect lender decisions differently. Limited credit history is different from a record of missed repayments. How recent an issue is, the amount involved and whether it has been resolved all matter.
What if I am behind with my equity loan payments?
Arrears on the equity loan need to be addressed with the Help to Buy administrator before a remortgage can proceed. Contact the administrator to discuss outstanding payments and what is required for your circumstances.
What should I prepare before speaking to an adviser?
Bring details of your current mortgage, outstanding equity loan, income, regular commitments and credit history. Check your credit reports for errors. Avoid unnecessary applications involving hard credit searches while you are exploring your options.

Existing Help to Buy Customer? Let’s Talk
Tell us about your existing arrangement and credit history. Start with a free initial consultation to understand what your next step could be.
Your property may be repossessed if you do not keep up repayments on your mortgage.
01733 331 603
01223 987422
