# Bad Credit Mortgage UK > Specialist UK mortgage broker for people with bad credit, CCJs, defaults, missed payments, IVAs/bankruptcy, low credit scores, or self-employed income complications — a service from Mortgages Remortgages Ltd, authorised and regulated by the FCA (registration number 307051). Bad Credit Mortgage UK is a niche service focused specifically on borrowers turned away by mainstream/high-street lenders due to adverse credit history. We match applicants with a panel of 600+ specialist lenders. Initial assessments are free, confidential, and use a soft credit search only. Contact: 01302 361 361 · info@mortgagesrm.co.uk · 34 Stoops Road, Bessacarr, Doncaster, South Yorkshire, DN4 7ES ## Mortgage situations we cover - [CCJ Mortgages](https://badcreditmortgage.uk/ccjs-mortgages/): Get approved despite an active or satisfied County Court Judgment. - [Mortgages With Defaults](https://badcreditmortgage.uk/mortgages-with-defaults/): Defaults don't have to mean an automatic rejection. - [IVA & Bankruptcy Mortgages](https://badcreditmortgage.uk/ivas-bankruptcy-mortgages/): A path to homeownership after insolvency. - [Mortgages With Missed Payments](https://badcreditmortgage.uk/mortgages-with-missed-payments/): Minor arrears don't always mean a straight no. - [Mortgages With Low Credit Scores](https://badcreditmortgage.uk/mortgages-with-low-credit-scores/): A low score shouldn't be a permanent barrier. - [Self-Employed Mortgages With Bad Credit](https://badcreditmortgage.uk/self-employed-mortgages-with-bad-credit/): Specialist help presenting your accounts to lenders. - [Remortgage With Bad Credit](https://badcreditmortgage.uk/remortgage-with-bad-credit/): Switch to a better deal, even with adverse credit. - [Getting a Mortgage After Repossession](https://badcreditmortgage.uk/mortgage-after-repossession/): A repossession doesn't have to be a permanent barrier. - [Mortgages With a Payday Loan History](https://badcreditmortgage.uk/payday-loan-mortgages/): Past payday loan use, assessed fairly by the right lender. - [Mortgages With a Debt Management Plan (DMP)](https://badcreditmortgage.uk/debt-management-plan-mortgages/): Taking control of your debt shouldn't count against you. - [Buy-to-Let Mortgages With Bad Credit](https://badcreditmortgage.uk/buy-to-let-bad-credit/): Grow your rental portfolio, whatever your credit history. - [First-Time Buyer Mortgages With Bad Credit](https://badcreditmortgage.uk/first-time-buyer-bad-credit/): Buying your first home with a less-than-perfect credit file. - [Joint Borrower Sole Proprietor (JBSP) Mortgages](https://badcreditmortgage.uk/joint-borrower-sole-proprietor-mortgages/): Boost affordability with support from a family member. - [Guarantor Mortgages With Bad Credit](https://badcreditmortgage.uk/guarantor-mortgages-bad-credit/): A family member's backing can open doors bad credit alone can't. - [Mortgage in Principle With Bad Credit](https://badcreditmortgage.uk/mortgage-in-principle-bad-credit/): Find out what you could borrow before you start house-hunting. - [Second Charge Mortgages With Bad Credit](https://badcreditmortgage.uk/second-charge-mortgages-bad-credit/): Borrow against your home's equity without touching your existing mortgage. - [Shared Ownership Mortgages With Bad Credit](https://badcreditmortgage.uk/shared-ownership-bad-credit/): Buy a share of your home, even with a less-than-perfect credit file. - [Joint Mortgage With Bad Credit](https://badcreditmortgage.uk/joint-mortgage-bad-credit/): One applicant has bad credit? It doesn't have to sink a joint application. ## Guides - [IVA vs Bankruptcy: Which Affects Your Mortgage Chances More?](https://badcreditmortgage.uk/blog/iva-vs-bankruptcy-guide/): IVAs and bankruptcy are both routes out of unmanageable debt, but they affect a future mortgage application differently. Here's a clear, side-by-side comparison. - [Struggling With Mortgage Arrears? What to Do Before It Gets Worse](https://badcreditmortgage.uk/blog/mortgage-arrears-guide/): Falling behind on your mortgage is frightening, but acting early keeps your options open. Here's exactly what to do first, and when remortgaging can help before it reaches repossession. - [Mortgage Application Declined? Here's Exactly What to Do Next](https://badcreditmortgage.uk/blog/mortgage-declined-guide/): A decline from your own bank feels final, but it usually isn't. Here's what actually happened, what to check first, and how to move forward without making it worse. - [What Is a Specialist Mortgage Lender? (And Why You Might Need One)](https://badcreditmortgage.uk/blog/specialist-lender-guide/): High-street banks and specialist lenders assess applications completely differently. Here's exactly what a specialist lender is, and when you actually need one. - [Debt Consolidation Through Remortgaging: Is It Right for You?](https://badcreditmortgage.uk/blog/debt-consolidation-remortgage-guide/): Rolling unsecured debt into your mortgage can lower your monthly outgoings — but it also puts your home behind that debt. Here's how to weigh it up properly. - [Undischarged Bankrupt? What You Need to Know Before You Can Apply for a Mortgage](https://badcreditmortgage.uk/blog/undischarged-bankrupt-guide/): If you're still an undischarged bankrupt, no UK lender will consider a mortgage application yet — but discharge may be closer than you think. Here's what changes, and when. - [How to Check Your Credit Score in the UK Before Applying for a Mortgage](https://badcreditmortgage.uk/blog/credit-score-check-guide/): Checking your credit score before you apply is the single most useful thing you can do. Here's how to check it for free across all three UK bureaus, and what to look for. - [CCJ vs Default: What's the Difference, and Which Is Worse for a Mortgage?](https://badcreditmortgage.uk/blog/ccj-vs-default-guide/): CCJs and defaults are often confused, but lenders treat them differently. Here's exactly what separates them, and what each means for a mortgage application. - [Can You Get a Mortgage With a CCJ? What UK Borrowers Need to Know](https://badcreditmortgage.uk/blog/ccj-mortgage-guide/): A CCJ on your credit file does not mean your mortgage chances are over. Find out how specialist lenders assess County Court Judgments and how to get approved. - [Mortgages With Defaults: How to Get Approved and What Lenders Look For](https://badcreditmortgage.uk/blog/defaults-guide/): Defaults on your credit file make mainstream mortgage applications difficult, but specialist lenders assess them differently. Learn what they look for and how to prepare. - [Getting a Mortgage After an IVA or Bankruptcy: A Practical UK Guide](https://badcreditmortgage.uk/blog/iva-bankruptcy-guide/): Discharged from bankruptcy or completed an IVA? Homeownership is still achievable. Find out when and how to apply for a mortgage after insolvency. - [Mortgages With a Low Credit Score: Your Complete UK Guide](https://badcreditmortgage.uk/blog/low-credit-score-guide/): A low credit score does not permanently bar you from getting a mortgage. Learn how specialist lenders look beyond the number to assess your full financial picture. - [Getting a Mortgage With Missed Payments: What UK Borrowers Need to Know](https://badcreditmortgage.uk/blog/missed-payments-guide/): Missed payments on your credit file can make mortgage applications harder — but not impossible. Discover how specialist lenders approach missed payment histories. - [Self-Employed With Bad Credit: How to Get a Mortgage in the UK](https://badcreditmortgage.uk/blog/self-employed-bad-credit-guide/): Self-employed with bad credit? You still have mortgage options. Learn how specialist lenders assess self-employed income alongside adverse credit history. ## Other key pages - [How It Works](https://badcreditmortgage.uk/how-it-works/): the four-step process from enquiry to mortgage offer. - [Mortgage Calculator](https://badcreditmortgage.uk/mortgage-calculator/): free repayment, interest-only and Buy-to-Let rental-cover calculator. - [Fees](https://badcreditmortgage.uk/fees/): broker fee schedule. - [About Us](https://badcreditmortgage.uk/about-us/): company and regulatory information. Regulatory note: Your home may be repossessed if you do not keep up repayments.