top of page
Key in the Lock

Call Us Free: 0800 014 8321

Award-winning Bad Credit

Mortgage Advisors

Having bad credit doesn't mean that you can't get a mortgage.

Our free tool provides a detailed breakdown of what's available to you. 

white arrow.png

4.9 out of 5


FCA Regulated


of reviewers

would recommend

Checking your eligibility is fast, easy and free.

checker image.png

Your home may be repossessed if you do not keep up with repayments on your mortgage.

Making it easier to find and compare mortgages.


No impact on your credit score

Getting your results won’t affect your credit rating - Guaranteed.


Know your options

Our smart check will match you with mortgages you are likely to be approved for in minutes.


Bad credit specialists

We have partnered with some of the best bad credit lenders to increase your chances of finding a great mortgage deal.

Award-Winning Mortgage Services

Having thousands of happy customers is more than enough for us. Still, it’s nice to know that we’ve been given multiple awards by a variety of well-known organisations.

tbma logo.jpg

FINALIST for the "best complex credit mortgage broker" award 2020

bsa logo.png

WINNER of the "best complex credit mortgage brokers" 2018 & 2019


SHORTLISTED by MoneyAge for "Mortgage Broker of the Year" 2016 & 2017


NAMED as VouchedFor's "Top Rated Professional" in The Telegraph, 2016

Ready? Let's Get Started

Instantly find out what bad credit mortgages you qualify for


Mortgage Thoughts Limited is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 14 Park Square East, Leeds, LS1 2LF. Registered Company Number: 09528880 Registered in England & Wales.

Our mortgage eligibility tool is operated by Lending Score (a third party) on behalf of Mortgage Thoughts. It is designed to give you an indication of how likely you are to be accepted, should you make a full application for a particular mortgage deal. Your eligibility is determined by a high-level check of your credit record and the additional information you have provided. This does not constitute an offer of credit, and you may be referred or declined once a full assessment of your application has been completed. By providing you with an indicative comparison of mortgage products and the likelihood of you being able to obtain those mortgage products, we don’t look at whether the mortgage is suitable for you and your financial needs. The mortgage eligibility service is not, and should not be construed as, a recommendation, financial or other professional advice. Professional advice should always be sought before taking action. This can be obtained by contacting one of our qualified advisors.


It is important to note that our online mortgage eligibility service only covers a small number of lenders and there are other products available. By contacting one of our advisors we will be able to check your eligibility with an unrestricted panel of lenders.


Our fee is based on the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application. If you would like to proceed our fee would never be more than £1495, which is only payable once a mortgage has been offered.


Your home may be repossessed if you do not keep up with repayments on your mortgage.

bottom of page