Suffered from bad credit? Lets find a mortgage for you
Struggling to get a mortgage due to bad credit? You’re not alone. At Search Mortgage Solutions, we specialise in helping people with poor credit histories secure the right mortgage. We search the whole market, including specialist lenders, to find a deal that works for you, giving you a fresh start with expert support every step of the way.
The No-Fee Mortgage Broker
Get a Mortgage in 3 Simple Steps
Having a poor credit history doesn’t mean you can’t get a mortgage. We specialise in helping people with bad credit mortgages in Manchester, guiding you every step of the way to find the right lender and the best available deal.
Start with a free, no-obligation consultation with one of our expert advisors. We’ll assess your financial situation, credit history, and mortgage goals, helping you understand your options.
We search the whole market, including specialist lenders who consider applicants with bad credit. Whether you’ve had defaults, CCJs, missed payments, or bankruptcy, we’ll find a lender that fits your circumstances.
Once you’ve chosen the best mortgage option, we handle the application process, ensuring everything runs smoothly. You can move forward with confidence, knowing you have expert support at every stage.
Why Trust Us for Your Bad Credit Mortgage?
A poor credit history doesn’t have to stop you from getting a mortgage. We specialise in finding bad credit mortgages in Manchester, working with lenders who consider your full financial situation, not just your credit score
We believe everyone deserves expert mortgage advice—without extra costs. Our service is completely fee-free, so you get the right support at no charge.
Not all lenders assess credit history in the same way. We work with specialists who consider applicants with defaults, CCJs, missed payments, and more, giving you a fair chance at homeownership.
We search the whole mortgage market, including high-street banks and specialist lenders, to find the most competitive mortgage rates available for your circumstances.
Your financial situation is unique, and so is our approach. We assess your full income, affordability, and goals to match you with the most suitable mortgage, even if you’ve been declined elsewhere.
Help with Poor Credit Mortgages Manchester
Search Mortgage Solutions, a bad credit mortgage broker in Manchester is happy to offer help and advice on the problems of obtaining a suitable mortgage for those people with a poor credit history. There are many options to be explored to find a suitable deal that will work well to overcome specific problems. Typical problems from the past could include late or missed payments on credit, missed and late mortgage payments, credit card debts, bankruptcy, or County Court Judgements, (CCJ’s). Many mortgage brokers purposely avoid taking on bad credit mortgage applications because the processes that must be followed can be very complicated and time consuming. Search Mortgage Solutions have had many years of experience in the specialised area of bad credit mortgages and our expert Manchester based mortgage adviser knows the right options to take for a chance of success for you to purchase your new home or arrange a new remortgage.
People move on and circumstances can change for the better so being permanently locked out of the mortgage market because of mistakes in the past is a real shame. There are lenders out there who specialise in providing mortgages to people with a poor credit history. We, being a Manchester based “whole of market” mortgage broker specialising in bad credit mortgages, have access to a range of sympathetic lenders. In most circumstances we can arrange a new suitable bad credits mortgage with the most suitable lender for your specific circumstances.
We’re Here to Help
Have questions or ready to get started? Contact us today!
125 Deansgate, Deansgate, Manchester, M3 2BY
Mon-Sun: 08:00 – 22:00
Hear What Our Happy Homeowners Have to Say
Don’t let bad credit hold you back, our clients didn’t! We’ve helped people across Manchester secure mortgages, even with past financial difficulties. Hear from homeowners just like you who trusted us to find the right bad credit mortgage and make homeownership a reality.
Excellent service from David, he secured my remortgage deal 2 years ago and he is always very helpful. He went above and beyond to get the best deal for me for my current mortgage and is always there to reassure me and offer advice and the best deals to go with. The communication was excellent with responding to my queries.
Nicholas Ward Manchester
Fantastic experience with David from Search Mortgage Solutions. He had to navigate some complex issues with my remortgages and did so expertly and with patience. I’ve used this company several times now for both new mortgages and renewals and they have never let me down. Always highly professional, timely, and supportive through the whole process. I thoroughly recommend them! Thanks for everything David 🙂
Stuart Avery Manchester
I cannot recommend David highly enough. He was extremely professional and helpful explaining all of the details in a way that I understood and made the whole process easy from start to finish. If you want to remove one of the stresses of moving house or just remortgaging then David is your guy and I had complete faith in the work he was doing for us. Will be using him again for sure.
Michael Chapman Manchester
Answers to Your Bad Credit Mortgage Questions
Getting a bad credit mortgage in Manchester can feel overwhelming, but we’re here to help. We work with specialist lenders who consider more than just your credit score, giving you the best chance of securing a mortgage.
Yes! Having bad credit doesn’t automatically mean you can’t get a mortgage. Many lenders specialise in working with applicants who have defaults, CCJs, missed payments, or even bankruptcy. We’ll help you find the right lender who considers your full financial situation—not just your credit score.
It depends on the severity of your credit history, but some lenders may ask for a higher deposit. While many require 10-15%, some accept as little as 5%. We’ll search the whole market to find the best options for your situation and budget.
Not necessarily! High street banks have strict lending criteria, but specialist lenders assess applications differently. Just because one lender said no, it doesn’t mean others will. We have access to lenders who look beyond credit scores and focus on affordability.
Not when done correctly. We carry out initial checks without affecting your credit score, ensuring we only submit applications to lenders most likely to approve you. This reduces the risk of unnecessary hard searches on your credit file.
Lenders will consider an application even if you have a CCJ on your credit profile. Usually, the older the CCJ was registered, the greater the chance of success. If the CCJ is satisfied, you will stand a better chance of securing a mortgage. Satisfying a CCJ, means that you have settled the outstanding balance and the CCJ has been resolved. Some lenders prefer 12 months to have passed after settlement but other lenders may be more lenient.
The amount of the CCJ can also be a major factor. If the lender considers the amount to be too high it can affect the loan to value that lenders are likely to consider. If you have more than one CCJ, this can cause further issues. A history of missed payments or CCJ’s can limit your mortgage options. Lenders may still consider an application but the total deposit required may need to be higher.
If you have been experiencing credit issues, it might be because you have a CCJ registered against you. If you are unaware of such a case, it may be that you have moved home and missed relevant correspondence. To check what’s registered against you, you can check the Register of Judgements, Orders and Fines and perform a CCJ check against your name for £4.
51 Customer Reviews
Excellent Service
Excellent service from David, he secured my remortgage deal 2 years ago and he is always very helpful. He went above and beyond to get the best deal for me for my current mortgage and is always there to reassure me and offer advice and the best deals to go with.
Nicholas Ward
Call Us On 0161 710 2587
Email Us At enquiry@searchmortgagesolutions.co.uk