Yes, you can. There are lenders who specialise in giving mortgages to people with poor credit histories, or a low credit score.
In some cases, having a low credit score can mean you have a higher interest rate, or you might not be able to borrow as much. That means you might have to put down a larger deposit, something like 20-25% of the value of the house rather than the more typical 10%.
To get a mortgage with a low credit score, it’s always helpful if you can show a lender you’re trustworthy by keeping on top of your regular payments and budgeting well. For example, making sure you have money left over at the end of the month.
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.
Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.