Let’s be real—applying for a mortgage with bad credit can feel a little like climbing uphill in the rain. You may have been told “no” before. Maybe your bank gave you that look, or your online searches left you more confused than confident. But here’s the thing: you’re not out of options.

In fact, there are mortgage brokers out there who specialize in helping people just like you. They understand that life happens—missed payments, defaults, CCJs, even bankruptcy. And instead of judging your situation, they focus on finding a way forward.

This guide introduces you to five of the best mortgage brokers in the UK for bad credit. These are the firms that will roll up their sleeves, dig into your case, and fight to get you the home loan you deserve. Let’s take a look.

🛠️ Steel City Mortgages – Real Advice for Real Life

📍 Sheffield, South Yorkshire

📅 Established: 2017 (Formally Ltd in 2023)

📜 Regulated by: FCA via Stonebridge Mortgage Solutions Ltd

📧 Natalie@steelcitymortgages.co.uk

If you’ve got credit challenges and don’t want to be treated like just another number, Steel City Mortgages is one broker worth knowing. Based in Sheffield and backed by 22+ years of industry experience, this team doesn’t shy away from complex cases. Whether you're recovering from past debts or struggling with affordability, they’ll help you explore every option available.

What sets them apart? They keep things simple and honest. Their advice is jargon-free, pressure-free, and fee-free—which is a rare combination in today’s market.

Steel City Mortgages also understands how financial challenges can feel isolating, especially post-pandemic. That’s why their focus is on breaking down barriers, making mortgages more accessible, and helping you feel empowered throughout the process. Whether you're applying for your first home, navigating a right-to-buy, or dealing with adverse credit, they’ve got your back.

🏅 B B Mortgages Limited – Award-Winning Support for Bad Credit Buyers

📍 20 Market Place, Newark, NG24 1EA

📜 Regulated by: FCA (795789)

📞 0330 232 0285

Named Adverse Broker of the Year 2023, B B Mortgages has built its reputation on helping people who’ve been told “no” too many times. They focus solely on bad credit mortgages—so whether you’ve had CCJs, defaults, missed payments, or even bankruptcy, they’re ready to help.

The strength of their service lies in their lender access. With over 30 lenders on their panel, they’re able to match clients with the best possible products—even in tricky situations. Plus, they offer no-obligation consultations and take the time to really understand your financial goals, not just your credit report.

If you're looking for someone who knows how to navigate the maze of adverse credit lending and get you closer to homeownership, B B Mortgages makes a strong case for being one of the UK’s most dedicated brokers in this space.

🔍 CLS Money – Mortgage Solutions That Don’t Judge

📍 Location not specified

📞 01494 526400 / 07949 713563

📜 Regulated by: FCA

CLS Money is another great option if you’ve been struggling with bad credit—and they go well beyond just mortgages. From Shared Ownership and Right to Buy to bridging loans and contractor mortgages, this firm has a full toolbox for clients who need flexible solutions.

What’s impressive is their ability to help clients dealing with a wide spectrum of financial situations: CCJs, defaults, IVAs, DMPs—you name it. They also work with self-employed individuals, CIS workers, and company directors, so if your income is complex, they’re comfortable in that space too.

Their service style is refreshingly simple and client-focused. No overcomplication. No one-size-fits-all approach. Just advice you can understand, and a plan that’s built around your goals. It’s clear they’ve created a service model that’s about solutions—not selling.

🧠 John Charcol – Decades of Experience, Modern Day Advice

📍 United Kingdom

📅 Established: 1973

📞 Contact via online form

With 50 years in the business, John Charcol is one of the UK’s most experienced mortgage brokers. And while they’re known for helping a wide range of buyers, they’ve also developed a strong track record with bad credit cases.

Their strength lies in their ability to cover every part of the journey—from helping you choose the right mortgage to sorting out conveyancing, insurance, and even utilities. That’s a huge time-saver, especially when you’re already feeling the stress of the buying process.

John Charcol also compares products across the entire market, which gives you access to deals you might not see elsewhere. Whether you’re buying your first home or recovering from financial setbacks, their team offers smart, tailored advice backed by decades of market knowledge.

💡 Simply Adverse – 100% Focused on Bad Credit Mortgages

📍 15 Runwell Hall Farmhouse, Hoe Lane, Rettendon, Chelmsford, Essex CM3 8DQ

📞 01245 904258 | 📧 info@simplyadverse.co.uk

📜 Regulated by: FCA (745164)

As their name suggests, Simply Adverse is all about helping people with adverse credit secure mortgages. This firm doesn’t treat poor credit as a problem—it treats it as a challenge to overcome.

They work with a large pool of both mainstream and specialist lenders, which means you’ll have more options than you might think. And they’ve helped clients with everything from CCJs and IVAs to past bankruptcies.

What’s particularly reassuring is their niche focus. Because they only work with clients who’ve faced financial difficulty, they’re incredibly knowledgeable about what lenders are looking for—and how to present your case in the best light.

If you’ve been turned down elsewhere or are just starting to explore your options, Simply Adverse offers a supportive, non-judgmental path to homeownership.

✨ Final Thoughts – You’re Not Alone in This

Applying for a mortgage with bad credit might feel like a dead end—but it doesn’t have to be. You just need the right people behind you.

Each broker on this list is here to help, not to lecture. They’ve supported thousands of clients through financial hurdles and helped them find real, practical mortgage solutions. And more importantly—they’ll listen to your story.

💬 Here’s your next step: Pick one (or more!) of these firms, reach out, and have that first conversation. No pressure. Just possibilities.

Because the truth is, you don’t need perfect credit to move forward. You just need the right support.