Mortgages with a low credit score

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Can I get a mortgage with a low credit score?

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.

Our calculators

Bad Credit Calculator

See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.

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What is a low credit score?

What causes a low credit score?

How does a low credit score affect my mortgage application?

Where can I get a copy of my credit file?

Do I need a higher deposit with a low credit score?

Should I improve my credit score before applying for a mortgage?

How can I improve my credit score?

Why use Haysto?

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.

Read our story

We help when others won’t

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.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

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.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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