Solutions for All Credit Histories

Getting a mortgage when you have bad credit—also known as adverse credit or poor credit—can seem like a big challenge. But the truth is, it’s more common than you might think. Whether you’re buying your first home, moving to a new one, or remortgaging your current property, there are still options available.

At Orchard Mortgage Solutions, we specialise in helping clients with a wide range of credit profiles. So if your past financial situation is holding you back, we’re here to find a way forward.

What Is Adverse Credit?

Adverse credit is a term used by lenders to describe a credit history that shows missed payments or financial difficulties. These can appear on your credit report and may affect how lenders view your application.

Examples of Adverse Credit:

• Missed or late payments on credit cards or loans
• County Court Judgements (CCJs)
• Defaults on utility bills or mobile phone contracts
• Debt management plans (DMPs)
• Individual Voluntary Arrangements (IVAs)
• Bankruptcy
• Repossession of a previous property
• Use of payday loans

Even one or two of these issues can be enough to make traditional lenders cautious. However, having adverse credit doesn’t mean a mortgage is out of reach.

Can You Get a Mortgage with Bad Credit?

Yes, you can. Many lenders now understand that life happens. They take a more flexible approach to mortgage applications with bad credit or poor credit histories. Some lenders focus solely on helping people with adverse credit get approved.

Of course, you may face slightly different terms. For instance, you might be asked for a larger deposit or offered a higher interest rate. But with the right advice and the right lender, getting a mortgage is very possible—even with a complicated credit file.

How Bad Credit Affects Your Application

When assessing your mortgage application, lenders will consider your credit report along with your income, employment, and outgoings. Credit issues can affect your mortgage in several ways:

• Fewer lender options: Some mainstream lenders may decline your application.
• Higher deposit: You may need to put down 15% or more, depending on your credit history.
• Interest rates: The rate you’re offered could be higher than standard products.
• Loan size: Lenders may restrict how much they’re willing to lend.

Despite these factors, there are still plenty of mortgage deals designed for people with bad credit or non-standard financial backgrounds. Our team is here to help you find the most suitable option.

Who We Help

At Orchard Mortgage Solutions, we support all kinds of clients with poor credit:

• 🏡 First-time buyers with missed payments or defaults
• 🔁 Home movers who have had credit issues in the past
• 💼 Self-employed borrowers with limited credit history
• 🏠 Remortgagers looking to raise capital or reduce monthly payments
• 🏘️ Buy-to-let landlords with less-than-perfect credit

No matter your circumstances, we take the time to understand your full financial picture. We work with lenders who take a flexible view, and we’ll handle the process from start to finish.

Why Choose Orchard Mortgage Solutions?

Our specialist mortgage advisers have years of experience working with clients who have been declined elsewhere. We know which lenders are more understanding and how to present your case in the best possible light.

With us, you get:

✅ Personalised advice based on your credit profile
✅ Access to specialist bad credit mortgage lenders
✅ Help with improving your credit before applying
✅ Full support through every step of the application
✅ A stress-free, friendly approach without judgement

We believe everyone deserves a fair shot at owning or keeping their home—no matter what their credit report says.

Preparing for a Mortgage with Adverse Credit

If you’re planning to apply for a mortgage soon, here are some quick steps that could make a difference:

• Check your credit report: Look for errors and make sure your details are up to date.
• Register to vote: Being on the electoral roll helps your credit profile.
• Pay all bills on time: Set up direct debits to avoid late payments.
• Avoid new borrowing: Keep your credit usage as low as possible.
• Reduce existing debts: This can improve affordability and your credit score.

Our advisers can help you review your credit report and give practical advice before you apply.

Start Your Journey Today

If you’re looking for a mortgage with bad credit, Orchard Mortgage Solutions is here to help. We’ll give you clear, honest advice and help you explore all your options—whether you’re buying, remortgaging, or moving home.

📞 Call us today 01257 543013 to speak with one of our expert advisers
📧 Or use our contact form to arrange a no-obligation consultation

Your past doesn’t define your future.

Contact us

For quick and personalised advice you can trust.