Find Out How Much You Can Borrow With Bad Credit

Check 60+ UK lenders including specialist adverse credit lenders. See which can help with your specific situation — no credit search performed.

Start Your Check

Information only — not mortgage advice. We are not FCA authorised. Being shown a lender does not mean you will be accepted. Always speak to a qualified, FCA-authorised mortgage adviser before applying.

Explore by Credit Issue

Every credit issue is treated differently by lenders. Read our detailed guides to see which lenders accept your specific situation.

CCJs

Which lenders accept County Court Judgements and under what conditions.

Defaults

Satisfied and unsatisfied defaults — see real lender criteria.

Missed Payments

Mortgage arrears and missed unsecured payments — what lenders allow.

Bankruptcy

How long after discharge you can apply, and which lenders help.

IVA / DRO

Getting a mortgage after an Individual Voluntary Arrangement.

DMP

Active or completed Debt Management Plans — your options.

How It Works

1

Enter your details

Income, employment, deposit, and outgoings — just like a normal affordability check.

2

Tell us about your credit history

We ask simple questions about CCJs, defaults, missed payments, and other adverse credit.

3

See which lenders can help

We filter out lenders whose criteria don't match, then check your affordability with the rest.

What We Check

We compare your credit history against each lender's published criteria to show you which lenders may consider your application.

CCJs

County Court Judgements — satisfied or unsatisfied

Defaults

Registered defaults on credit accounts

Missed Payments

Missed mortgage or unsecured payments

Bankruptcy

Current or discharged bankruptcy

IVA / DRO

Individual Voluntary Arrangements or Debt Relief Orders

DMP

Active or completed Debt Management Plans

Why Use Our Calculator?

We do the hard work so you don't have to — checking every lender's criteria against your situation in minutes.

No credit search

Your credit score is not affected. We use lender calculators, not credit reports.

60+ lenders checked

Including specialist adverse credit lenders like Kensington, Pepper, Bluestone, and Precise.

Results in minutes

We check every lender simultaneously and show you results as they come in.

Frequently Asked Questions

Can I get a mortgage with a CCJ?
Yes. Many specialist lenders consider applicants with CCJs, especially if they are satisfied and over 12 months old. Some mainstream lenders also accept a single small satisfied CCJ. Our calculator checks each lender's published criteria against your specific situation.
How much can I borrow after bankruptcy?
Most lenders require bankruptcy to be discharged for at least 3 years, with some requiring 6 years. Specialist lenders like Pepper, Bluestone, and Kensington may consider applications once discharged. The amount you can borrow depends on your current income and the lender's criteria.
Will this affect my credit score?
No. We do not perform any credit searches. We check your affordability using each lender's published calculator and criteria. Your credit score is not affected in any way.
Is this mortgage advice?
No. This is an information-only service. We are not FCA authorised and do not provide mortgage advice. We show you which lenders' published criteria match your situation. You should always speak to a qualified, FCA-authorised mortgage adviser before making any application.
How many lenders do you check?
We check 60+ UK lenders simultaneously, including mainstream banks, building societies, and specialist adverse credit lenders. Each lender's affordability calculation is run using their real calculator, not estimates.
Can I get a mortgage with missed payments?
It depends on the type and recency. Many lenders allow 1-2 missed unsecured payments if they are over 12 months old. Missed mortgage payments are viewed more seriously, but specialist lenders may still consider your application.

Ready to find out which lenders can help?

It takes about 5 minutes. No credit search. Results from 60+ lenders.

Start Your Check

No adverse credit? Try our standard calculator

We check affordability across these and 30+ other UK lenders

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