Bad Credit Mortgages | Deal Direct
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    Top mortgages for poor credit scores

    Compare the mortgage market for your best deal - in minutes

    • Quote will not affect credit score
    • Live results from UK market
    • We will find the best deal for you
    • Poor credit scores - we can help

    Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

    experience a 5 star customer service

    Expert advice for ALL mortgage applicants

    If you’ve had difficulty getting that mortgage rate you really want, just because of your credit history, we can help. We are a UK specialist in mortgages, and it’s an inclusive service that we provide, so poor credit history or not, we’ll do what it takes to open doors for you, just like we do for thousands of customers across the UK.

    Call a qualified mortgage advisor who can help you – on 0800 029 1671
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    Live Mortage Help

    Let us take the hassle out of finding the best mortgage

    Every customer receives the best service from our team

    • Our qualified experts help thousands of customers with a wide range of circumstances
    • Benefit from the most advanced mortgage search and application system in the industry
    • A comprehensive range of mortgages from across the market
    • Our exceptional 5 star rating from customer reviews speaks for itself

    What our customers say…

    From the initial consultation they were incredibly helpful

    We were struggling to find a suitable remortgage solution to our finances. After wasting 4 weeks with another company we got in touch with Deal Direct. From the initial consultation they were incredibly helpful, positive and provided great advice on how to proceed.

    Richard A.
    5 Star via TrustPilot

    THINK CAREFULLY BEFORE SECURING A MORTGAGE OR OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER BORROWING SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE BORROWING AND INCREASING THE TOTAL AMOUNT YOU REPAY.

    Deal Direct is a trading style of Deal Direct Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726.

    Mortgages

    • Overall cost for comparison: Estimated to be 6.70% APRC
    • Completion fees: Subject to circumstances, typically £198 upfront and £799 on completion
    • Complex cases: If your circumstances involve adverse credit, complex situations, debt consolidation, or commercial elements, fees may increase to a maximum of £2,693 with £198 payable upfront upon application
    • Fee structure: Fees are per application basis. Subsequent applications or amendments incur a separate £99 application fee

    We do not charge a broker fee for Product Transfers. A product fee may be payable to your lender, subject to and the terms of your new mortgage arrangement. Deal Direct Financial receives commission for this service, which is paid directly by the lender.

    A product transfer only provides mortgage options from your current lender. Please note, re-mortgaging to another lender could potentially enable you to get a lower rate so please consider obtaining whole of market advice when reviewing your options.

    Secured Loans

    Representative example: Based on borrowing £20,000 over 60 months:

    • Interest Rate: 7.55% fixed for 60 months
    • Monthly instalments: £448.16
    • Fees: Broker fee (£2,000); Lender fee (£395)
    • Total amount payable: £27,014.60, comprised of loan amount (£22,395) and interest (£4,618.60), including broker and lender fees
    • Overall cost of comparison: 9.50% APRC
    • Loan terms: Minimum 36 months, maximum 360 months
    • Maximum APRC: 29%
    • Broker fee: Maximum 10% of net loan amount (maximum £4,995), payable upon completion and can be added to your loan

    Homeowner loans are secured against your property. We are a broker and arrange secured loans from a panel of lenders of which we receive commission upon completion.

    Your adviser will confirm all costs in writing prior to any application being made.

    Insurance

    £200,000 life cover at £9.67 per month

    Example based on a 37-year-old non-smoker taking a 25-year Level Term Life Insurance policy with fixed monthly premiums.

    Important Assumptions

    This quote is for illustrative purposes and assumes:

    • You are in good health with no adverse family medical history
    • You don’t regularly participate in hazardous sports or activities (more than once per month)
    • Your occupation is not classified as high risk
    • Premiums paid monthly by direct debit

    What’s Included

    £200,000 lump sum payment on death during the policy term
    Terminal illness cover (12-month prognosis)
    Fixed premiums for the full 25-year term
    No medical exam required for this coverage level (subject to health questions)

    Key Exclusions

    • Death resulting from excluded pre-existing conditions

    Please note: While we work with a comprehensive panel of insurers, not all insurers are displayed. Contact us for our complete panel list.

    Commission Disclosure

    The exact amount of commission we will receive is not known at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

    Our Services

    • We are not limited in the range of mortgages we will consider for you
    • We can offer advice on both first and second charge loans
    • We offer a comprehensive range of mortgages from across the market
    • Note: We do not offer deals that you can only obtain by going direct to a lender
    • While our lender panel is comprehensive, some lenders are not displayed – you can view a list of these on our website

    © 2025 Deal Direct Financial Solutions Ltd

    Deal Direct Financial Solutions Ltd Registered in England & Wales Company No. 05446793. Registered Address: Suite B 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, PO15 7AL.

    How a specialist mortgage broker can remove the bad credit barriers.

    Deal Direct provides qualified advice and the highest quality service for every customer.

    At Deal Direct, we know that searching for a mortgage can be stressful at the best of times. If you have a poor credit score finding a great mortgage deal can seem an impossible task for so many customers, and there are so many instances where customers feel they don’t get the support they need.

    At Deal Direct we are on your side. We have been serving the UK mortgage market since 2005, and through our relationships with lenders and customers alike, we have grown to understand the market and the products more than anyone, and more importantly we know what securing a great mortgage means for customers and their families. Whether you’re a homeowner who is self employed or retired, you have too much debt, or your deposit isn’t big enough, we can help you.

    Yes, applying for a mortgage with a poor credit history can present challenges, but it’s important to know there are so many ways to overcome them, and to secure a great deal with a lender. You can rest assured our business is focused on delivering the best quality of products and service and it’s because we have been so successful for thousands of customers every year, that we’re in a great place to help you too.

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    Customer support - every step of the way through to completion

    As a UK leading mortgage broker our team of advisors are highly qualified. They have an intimate knowledge of the different products available and how each of their features and benefits best suits your needs.

    Every application is handled with utmost care, and we support customers every step of the way through to completion. Along the way, we’ll answer every question, make sure everything is crystal clear, and respond to every request with impeccable efficiency. Everything we do is geared to make life easy for you, whether it’s liaising with solicitors and estate agencies, or chasing a third party for relevant documentation.

    However, it’s not just about the quality of our team. Our online systems are industry leading. We have invested in the best technology to provide the most accurate and dependable mortgage search and application processing system available, anywhere. It will give you search results in minutes, so before you talk to our advisors, you'll have all the best options to consider, all provided from a comprehensive UK lender search. Progressing with your best mortgage offer is beautifully simple too. Uploading documents through a user-friendly step-by-step process couldn’t be easier.

    As a combination, Deal Direct’s experienced team, coupled with an industry leading system is simply unbeatable.

    For mortgage advice you can trust, contact Deal Direct on 0800 029 1671.

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