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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Yes, you can still secure a mortgage with bad credit in Newcastle. As a mortgage broker in Newcastle, we understand that past financial issues can make the mortgage process more challenging.
We specialise in helping individuals with bad credit find accessible mortgage options by working with lenders who offer flexible credit requirements.
Our mortgage advisors in Newcastle are here to guide you through your options for bad credit mortgages, making your path to homeownership as smooth as possible.
Getting a mortgage with bad credit in Newcastle is achievable with the right steps. Start by checking your credit history and addressing any potential issues to improve your standing.
As a dedicated mortgage broker in Newcastle, we work with lenders who understand that life events can impact credit.
Our team will help match you with lenders more willing to offer bad credit mortgages, and we’ll support you through each stage, making it easier to move forward with confidence.
Choosing a mortgage broker in Newcastle offers a direct route to a variety of mortgage options that suit your needs.
As an experienced mortgage broker, we search the market on your behalf, finding competitive deals and simplifying the entire process.
With our mortgage advisors in Newcastle, you’ll receive expert mortgage advice and support from start to finish, ensuring that every step is clear and stress-free.
Common credit issues that may impact your mortgage application include missed payments, County Court Judgements (CCJs), defaults, and even bankruptcy.
Different lenders have various policies on these issues, and a mortgage advisor in Newcastle can guide you to lenders who specialise in bad credit mortgages and are open to considering applicants with these specific credit issues.
In many cases, a larger deposit can improve your chances of securing a mortgage with bad credit.
While some lenders may be more flexible, they often require a deposit of at least 15-20% for bad credit mortgages in Newcastle.
We’re here to provide personalised mortgage advice in Newcastle on how much deposit you might need based on your individual circumstances.
When you work with a mortgage broker in Newcastle, they can help you obtain an Agreement in Principle (AIP), which provides a clear understanding of how much you could potentially borrow.
This soft credit check will not significantly impact your score, unlike a full mortgage application.
Your mortgage advisor in Newcastle will ensure your application is handled with care, limiting any unnecessary checks on your credit report.
Improving your credit score, maintaining steady employment, and managing any existing debts can positively impact your application.
Working with an experienced mortgage advisor in Newcastle is also helpful, as they know which lenders are more likely to offer bad credit mortgages and can guide you through the preparation process.
Yes, remortgaging with bad credit is possible in Newcastle, especially if you work with a mortgage broker who has access to a wide range of lenders.
Whether you’re looking to reduce monthly payments or release equity, a mortgage advisor in Newcastle can help you review your options and find a remortgage deal suitable for your current financial situation.
Interest rates for bad credit mortgages in Newcastle can be higher than those for standard mortgages, as lenders may see bad credit as an added risk.
Your mortgage broker can help you compare rates from different lenders to ensure you secure the most competitive deal available based on your circumstances.
The timeline can vary depending on your credit history and the lender’s requirements, but working with a mortgage broker in Newcastle can speed up the process.
They’ll handle the paperwork, liaise with lenders, and keep you informed, helping to reduce delays and make the application process as smooth as possible.
Our Customers Love Us
5.00 Rating17 Reviews
Jill
Excellent customer service - highly recommend
7 months ago
Paul
Professional service that was friendly and problem free - could not be faulted and is highly recommended for later life financial services.
1 year ago
Sikandar
Matt has been amazing. He not only found me the cheapest mortgage but also made sure that the offer is secured quickly. He remained in close contact advising me at every step of the process. He also helped me in negotiations with the vendor’s...
1 year ago
Anonymous
Helped us to find a reasonable deal but also requested a better one when the lender reduced their rates
1 year ago
Steven
Fantastic service and had our mortgage approved within a week of our first call! Chris and Jo were a pleasure to deal with and available to chat at a moment's notice, even at weekends. The process was incredibly smooth and any recommended parties...
1 year ago
Grace
Matt gave us really good advise, which helped to give us the confidence to proceed with purchasing our first home. Once we had an offer in we were quickly shown the best mortgages to apply for, life insurance/critical illness insurance, and we were...
2 years ago
Lois
Brilliant service as always. Thank you guys 🙏 🏡
2 years ago
Anonymous
Both Jason and Chole were very helpful in helping me and my partner secure a mortgage despite having trouble getting one in the past.
3 years ago
Michael
Great response and very friendly service. Very helpful.
3 years ago
Jacqueline
My experience with this company has been great and I highly recommend them. From the initial stages through to getting the offer, everyone I spoke with was informative, professional and friendly. Tom and Jonathan really helped with the initial...
3 years ago
Sunna
I have spoke to Arron today, I have received excellent customer service. He listened me carefully and answered all my questions promptly!! Good adviser.
3 years ago
Lydia
Amazing! UK moneyman were there every step of the way. Making sure I understood everything and taking the stress out of buying your first house. They were very responsive to emails, calls and gave excellent customer service. 10/10 could not fault...
3 years ago
Kevin
All staff, very efficient,communication excellent and found us a great deal on our mortgage as my credit rating wasn’t great.Thankyou very much Leo and Newcastle moneyman.
5 years ago
david
Being self employed it was hard to get a mortgage!but thanks to Newcastle money man I’ve got one !!!thanks again would definitely recommend them!👍
5 years ago
Harley
Professional service from start to finish. Very helpful with all of the questions I was throwing at them also. Would recommend 100% and we feel we for the prefect product mortgage for us. Thank you guys!
5 years ago
Darla
Great advice from start to finish. I had only dealt with a Broker via Estate Agents before so it was a little different to do everything over the phone but much better really because I was able to speak to someone late into the evening after I had...
5 years ago
Darla
we just used this mortgage brokers for a mortgage on our new house. right from the initial phone call, the service received was very swift and carried out by professional yet very caring people. they made sure that every detail was done to the...
5 years ago
Your path to securing a bad credit mortgage in Newcastle begins with a free mortgage appointment.
Our mortgage advisors in Newcastle will assess your financial background and explain how to navigate the mortgage process with any credit challenges you may have.
With access to 1000s of mortgages, we search specifically for options that suit applicants with credit issues.
As a mortgage broker in Newcastle, we work with lenders who understand bad credit and are open to offering competitive deals tailored to your needs.
After finding the right deal, we’ll handle your mortgage application and ensure all documents are prepared accurately.
Our experience with bad credit mortgage applications means we know how to present your case effectively, boosting your chances of success.
Once your application is approved, we’ll guide you through to the final stage of completion, when your mortgage funds are released.
Our team stays with you every step of the way, helping you secure a bad credit mortgage and supporting you until the keys are in your hands.
Starting with a free mortgage appointment, we make it easy for you to explore bad credit mortgage options in Newcastle.
Our advisors take the time to understand your credit situation and provide tailored advice, setting you up with the right strategy from the very beginning.
As a mortgage broker in Newcastle, we have access to 1000s of mortgage deals, including those specifically designed for clients with bad credit.
This means we’re able to connect you with specialist lenders who can help with bad credit mortgages in Newcastle.
Our service is focused on simplifying the mortgage process, making it accessible and clear for every client, regardless of their credit history.
With expertise in bad credit mortgages, our team ensures you have the support you need to confidently work towards securing a mortgage.
We know that time and convenience matter, so our mortgage advisors are available 7 days a week to answer your questions and keep your application moving forward.
Whether you need advice or support at any stage of your mortgage journey, we’re here to help every day.
If you have a County Court Judgement (CCJ) on your credit record, getting a mortgage can feel challenging.
As a mortgage broker in Newcastle experienced in bad credit cases, we work with lenders who specialise in CCJ-friendly mortgages, helping you find a pathway to homeownership even with past financial setbacks.
A past default can affect your ability to secure a mortgage, as many lenders view this as a red flag.
Our team understands the hurdles of bad credit mortgages in Newcastle and can connect you with lenders who consider applicants with defaults, offering guidance to find the most suitable deal for your situation.
A low credit score doesn’t have to hold you back from getting a mortgage in Newcastle.
Our Newcastle mortgage advisors focus on bad credit solutions and can direct you to lenders who are open to applicants with lower credit scores, helping you achieve your property goals despite past credit issues.
If you’re managing your finances through a Debt Management Plan (DMP), some lenders may be hesitant to approve a mortgage.
As an experienced mortgage broker in Newcastle, we know which lenders are more flexible with DMPs and can guide you through the mortgage process with options that align with your financial recovery.
For homeowners looking to consolidate existing debts, a debt consolidation remortgage could be a practical solution.
We work with a range of lenders who offer remortgage options for those with bad credit in Newcastle, helping you manage debts more effectively by combining them under a single, potentially lower monthly payment.
Read our 17 Reviews
Newcastlemoneyman.com & Newcastlemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Newcastlemoneyman.com & Newcastlemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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