At Rosa Mortgages, we specialise in helping clients find the right mortgage solutions, even with a difficult credit history. As a trusted bad credit mortgage broker, we provide clear, compassionate advice and access to specialist lenders who look beyond your credit score to understand your full situation.
Whether you’ve had missed payments, a default, a CCJ, an IVA or simply a low credit score, there are lenders who can help. You just need the right guidance.
A bad credit mortgage broker is a mortgage adviser who specialises in helping people secure a mortgage despite having adverse credit on their file. This includes borrowers with:
Unlike general brokers or high-street lenders, a specialist bad credit broker understands which lenders are willing to consider imperfect credit and how to prepare a strong application.
At Rosa Mortgages, we assess your entire financial picture — not just your credit score — to match you with lenders who fit your circumstances.
Yes — you can get a mortgage with bad credit. The key is knowing which lenders are open to your type of credit issue and how recent it is.
Your chances depend on:
Many people with credit issues assume a mortgage is out of reach — especially if their bank has declined them.
But there are specialist lenders who review applications individually rather than relying only on a credit score. With the right broker, it’s much more achievable than you’d think.
Working with a specialist broker like Rosa Mortgages makes a huge difference. Here’s how we support you throughout the process:
We work with lenders who are not available directly to the public and who regularly approve applications from clients with adverse credit.
We help you review your credit reports, identify issues, and understand what lenders will look at.
Every lender has different criteria — we find the ones who match your exact circumstances.
We help you organise documents, explain past credit issues effectively, and demonstrate affordability.
From enquiry to mortgage offer, we manage the process for you, reducing stress and saving your valuable time.
Missed or Late Payments – Often the most straightforward to overcome, especially if older or occasional.
Defaults – Specialist lenders regularly accept older or satisfied defaults.
CCJs (County Court Judgements) – Some lenders accept CCJs, especially if they’re small, older, or paid off.
IVA or Debt Management Plans – You can still secure a mortgage after completing an IVA or while in a DMP — your options depend on timing and deposit size.
Low Credit Score – Even if your score is low due to past issues, affordability and current stability can make a big difference.
Payday Loans or High Credit Use – Not ideal, but not always a barrier with specialist lenders.
To strengthen your application, consider these steps:
Check your credit report with all three agencies.
Correct any errors or outdated information.
Avoid new borrowing before applying.
Reduce credit card balances where possible.
Show stable income and steady employment.
Save a larger deposit to reduce risk for lenders.
Speak to a bad credit mortgage broker early to understand your options.
Rosa Mortgages can help you prepare everything lenders want to see and guide you towards the right next step.
At Rosa Mortgages, we believe that your financial past shouldn’t define your future. Our approach is personal, supportive, and completely tailored to you.
Here’s what sets us apart:
Expertise with complex cases and all types of credit issues.
Whole-of-market access, including specialist lenders willing to help.
Honest, transparent advice — no jargon and no judgement.
We handle everything, saving you time and stress.
Support at every stage, from the first conversation to the final mortgage offer.
We aim to make the process simple, stress-free, and grounded in what’s right for you.
Yes. Even with missed payments, defaults, or previous debt issues, specialist lenders are often able to help.
Often between 10% and 25%, depending on how recent and severe the credit issues are.
Usually, yes. However, once your credit improves, you may be able to remortgage to a lower rate.
No. It may limit your options, but specialist IVA mortgage lenders regularly approve applications from people with past IVAs.
Yes — many lenders consider older or satisfied credit issues, and specialist lenders regularly approve these cases.
Keeping up with payments on a new mortgage can help rebuild your credit over time.
It’s highly recommended. A specialist broker helps you avoid declined applications and matches you with lenders you can actually be approved by.
Keeping up with payments on a new mortgage can help rebuild your credit over time.
Multiple applications can, but working with a broker reduces unnecessary checks and directs you to lenders with the best chance of approval.
Bad credit doesn’t mean your homeownership dreams are out of reach. With the right advice and access to specialist lenders, getting a mortgage with past credit issues is completely achievable.
At Rosa Mortgages, we’re here to support you with expert guidance, understanding, and real solutions that fit your life and your goals.
Contact Rosa Mortgages today to speak to a specialist bad credit mortgage broker and take your next step towards a brighter financial future.
