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Need a Mortgage, but have a poor Credit History?
If you’ve had credit problems in the past, you might be worried that getting a mortgage is out of reach. The good news? It’s still possible. Whether you’ve had missed payments, defaults, CCJs, or even a previous bankruptcy, there are lenders who specialise in helping people like you get on the property ladder.
Bad Credit? You Still Have Options
At Optimus Mortgages, we help people with poor credit histories find a mortgage that suits their situation. Every lender has different criteria, and while high-street banks may say no, specialist lenders can take a more flexible approach—looking at your current situation rather than just your past.
We can help you:
✅ Find lenders who accept low credit scores, defaults, and CCJs.
✅ Get a mortgage with a smaller deposit than you might expect.
✅ Explore options if you’ve had bankruptcy or an IVA in the past.
✅ Improve your chances of approval with expert mortgage advice.
Rebuild Your Financial Future
Having bad credit doesn’t mean you can’t get a mortgage—it just means you need the right lender and the right advice. We’ll help you understand what’s possible, how to boost your chances of approval, and what steps you can take to secure the best deal available.