Don’t let your credit past dictate your

mortgage future

The mortgage process for those with adverse credit is very specialised, requiring a thorough understanding of the clients finances as well as up to date product knowledge.


At Hello Mortgage we have a specialist team who can help those with a couple of missed payments right through to discharged bankrupts.


The mortgage products available are technically the same as standard mortgage products. The main difference is the way they are assessed; some lenders do not credit score and instead manually assess each application individually.

If you already have a mortgage but would like to consolidate your debt, a bad credit re-mortgage could be an option.


As this is a very specialist field you should speak with one our specialist team prior to making any decisions or keying your details into price comparison sites as this can often cause more damage than good.

Send a message

Submitting Form...

The server encountered an error.

Form sent, thank you

How can Hello Mortgage help?

Hello Mortgage are specialists in providing mortgages, re-mortages and secured loans to those who have past or current adverse credit via our subprime mortgage and bad credit team.


With access to a number of specalist bad credit mortgage lenders who assess each case on its merit rather than a credit score, we could source you a mortgage.


If you need a bad credit mortgage we can help. Each mortgage is assessed on an individual basis, but please note that as a minimum requirement, you will need to provide a deposit of at least 15% of the property value to be considered for these mortgages.


The application process for a bad credit mortgage or adverse credit mortgage can be more complicated.  The range of products depending on your credit past can also be limited.  Working with a broker who understands this market can be key to getting an acceptance.

Not quite ready to apply?

Give our calculators a whirl

How much can I borrow?

  • Click here

Ever wondered how much you could borrow? Use our easy mortgage calculator to see how much you may be able to borrow

How much Stamp Duty

  • Click here

Will I pay stamp duty? How much stamp duty is due?  Our stamp duty calculator may answer your question

Mortgage Payments

  • Click here

Our mortgage payment calculator will give you an idea of how much your monthly repayment could be

Have a read through our guides



Let us source you a fantastic rate on your remortgage for free!  If you are looking to remortgage for home improvement purposes or need to release equity from your home we can help.


First time buyer

Let's keep things simple with our bespoke first time buyer service. We can help you get on the property ladder by sourcing you the perfect product, tailored to your exact needs.


Life Insurance

No-one knows what's around the corner.  That's why it's important to protect yourself, your family and your home should something happen.


Help to Buy


Large Mortgage


Commercial Mortgage


Buy to Let

If you have experienced credit issues in the past such as arrears, DMP, CCJs or missed payments don't worry. Our specialist Bad Credit.


Home mover

If its time to up or down size, getting the right advice is key.

We will compare mortgages to find you the best option for your new home.


Self employed mortgage

The mortgage world can be a minefield for the self employed, we can help you navigate it.  We have advisers who specialise in self employed mortgages to make sure you get the best possible outcome.


Equity Release


Contents Insurance


Income protection


Hello Mortgage Limited is registered in England and Wales. Registered Office: Suite 20, Cookson House, River Drive, South Shields, Tyne & Wear, NE33 1TL. Company Number: 10414170. DPA number ZA332902


Hello Mortgage Limited is an Appointed Representative of MyInfinity Finance  Limited which is authorised and regulated by the Financial Conduct Authority 672182.


© 2021 Hello Mortgage Limited - All Rights Reserved