Nationwide Mortgage Brokers
At AJL Mortgages, we understand that a poor credit history doesn’t define your financial future. Whether you're looking to buy your first home, move house, or remortgage, our team specialises in helping clients with bad credit access mortgage solutions tailored to their unique circumstances.We’ve supported thousands of clients who’ve faced credit challenges—and we may be able to help you too.
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Expert Advice
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We work with over 30 specialist lenders who are open to applications from individuals with:
Even if you’ve been turned down elsewhere, we may still be able to help. We also assist with schemes like Help to Buy, Right to Buy, and Shared Ownership.
While there's no official product called a "bad credit mortgage," the term refers to mortgages offered to people with a lower credit score or adverse financial history. These mortgages may come with higher interest rates or additional fees, but they still provide a viable route to homeownership.
Also known as adverse credit mortgages or subprime mortgages, these products are designed for those whose credit history includes things like missed payments, defaults, or financial agreements like DMPs or IVAs.
Yes. Even if your credit score is low, or you've faced serious credit issues in the past, you may still qualify for a mortgage. Our advisers will assess your full financial picture—not just your credit score—and work to find the most suitable lender for your circumstances.
The good news? Making regular mortgage payments—even on a bad credit mortgage—can help rebuild your credit score over time. In a few years, you may be eligible to switch to a more competitive deal with a lower rate.
You can complete our quick pre-qualification form, which gives us an overview of your situation—without affecting your credit score.Prefer to speak directly? Arrange a call with one of our mortgage specialists today.
How it works
Let us know a few basic details about your mortgage needs.
One of our experienced advisers will call to understand your circumstances more fully.
We’ll compare options from our panel of lenders to find the best fit for your situation.
If you’re happy to proceed, we’ll secure a Decision in Principle (DIP) from a lender and move forward with your application.
Whether you’re looking to get on the property ladder, remortgage for a better deal, or simply explore your options—we’re here to help you every step of the way.
Start your journey today—speak to our bad credit mortgage experts or complete our pre-qualification form now
Reviews
We wouldn’t be where we are without our incredible clients. We take pride in building genuine, one-on-one relationships, offering tailored mortgage advice that suits each individual’s needs.
Recently took out income protection with AJL Mortgages, i wanted cover to make sure my family were covered if i lost my job due to illness. The monthly payment was very reasonable and it gives me great piece of mind. Thanks to Alex for helping me with this and talking me through the application.
I recently used AJL to swap my tracker mortgage to a fixed product. Very streamlined process and the meeting over teams certainly made everything feel very relaxed and easy. See you in 2 years!
I recently got AJL to review our insurance policies and see if they were good enough for our new home. The team were fantastic and we ended up changing all of our policies, getting more cover and paying less than our old premiums. I have recommended AJL to a few local friends who have also been blown away by the support, thanks again!
I approached Alex and the team at AJL after being recommended by a friend. My property was coming towards the end of the two year fixed deal and I wanted to explore options, Alex gave me comprehensive advice and helped me secure a new deal that saves me a fortune vs what the bank offered. I also renewed some insurance and increased my cover for a lower monthly payment, WORK THAT OUT! Great service.
