Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
Getting a mortgage with a poor credit history can be more challenging, but it’s not impossible. Lenders will assess factors such as missed payments, defaults, or County Court Judgements (CCJs) when reviewing your application.
The severity and timing of these issues play a big role in whether you’ll be accepted.
While some lenders may be cautious, there are specialist providers who offer bad credit mortgages in Middlesbrough.
A higher deposit and proof of financial stability can improve your chances.
It’s always worth Speaking to a mortgage broker in Middlesbrough like ourselves to explore your options to see what’s available based on your circumstances.
Applying for a mortgage with a poor credit history follows a similar process to any other application, but lenders will take extra steps to assess risk.
You’ll need to provide details of your income, outgoings, and credit history, as well as demonstrate that you can afford repayments.
Some lenders might ask for a larger deposit, while others may charge higher interest rates.
Our mortgage advisors in Middlesbrough can help you access lenders who consider applicants with a history of bad credit.
Checking your credit report and reducing outstanding debts beforehand can also make a difference.
Finding the right lender when you have a poor credit history can be difficult, as high street banks often have strict criteria.
Expert mortgage advice in Middlesbrough gives us access to a wider range of lenders, including those who specialise in bad credit mortgages in Middlesbrough.
They can help you understand what’s available, guide you through the process, and increase your chances of securing a suitable mortgage.
We can also handle the paperwork, making the experience smoother and less stressful.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
186 5 Star Reviews
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
Abdul khaliq Mayar
I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.
11 May 2026
Flc
Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!
5 May 2026
William Thompson
I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me
29 Apr 2026
Yasir Noori
The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application
16 Apr 2026
Janiene Walton
Great service, very professional and I felt my adviser really was interested in helping me get the best deal for a repayment mortgage for my age group.
29 Mar 2026
Andrea McLaren
What a fantastic team. Can’t recommend them highly enough. Warren and Johnathan were so professional and so easy to talk and explain things to. Everything about my remortgage went smoothly thanks to them. I will certainly be recommending them to friends and family. Thank you guys for all of your help, couldn’t have done it without you.
20 Mar 2026
Paul PI
UK Moneyman provide an excellent service, in my case with complex conveyancing. Simple upload of documents, excellent comms and friendly. They took time to understand my needs and to explain options and prov8de illustrations of what I was agreeing to. Fee was reasonable and transparent with no hidden traos or surprises. When things were not quite going as expected (loan provider not UK moneyman this was sorted quickly and efficiently. I would thoroughly reccomend them if you are looking for a mortgage, especially if what you need is not quite standard. Warren and Lizzy did the work, thankyou both...
19 Mar 2026
Craig Butler
I had a great experience working with Leo and Jo as my mortgage brokers. As a first-time buyer, the whole process felt quite daunting at the start, but they provided clear and helpful information from day one, which really put me at ease. They were always quick to respond to my emails and kept everything moving smoothly, regularly following up and making sure nothing was missed. A special mention to the moment they called to let me know my mortgage offer had been approved. It made the whole experience feel exciting and personal, rather than just transactional. I’d definitely recommend Leo and Jo to anyone, especially if you’re a first-time buyer looking for guidance and support throughout the process.
18 Mar 2026
Groovy Gazza
Very happy with the service, everything was made so smooth and easy. They were on hand anytime to answer any questions All very fast and efficient would recommend them no problem
15 Mar 2026
The first step is understanding your financial position. Lenders will review your income, outgoings, and credit history to determine how much you can borrow.
If you have concerns about past credit issues, checking your credit file in advance can help you prepare.
Having documents like payslips, bank statements, and proof of address ready can speed up the process.
Once you know where you stand, the next step is exploring available mortgage deals.
Different lenders have varying criteria, particularly if you’re applying for bad credit mortgages in Middlesbrough.
Some may require a larger deposit, while others may focus more on your current financial stability rather than past credit issues.
Comparing options ensures you find a mortgage that suits your situation.
After choosing a suitable mortgage, it’s time to submit your application.
This involves providing all necessary documents, including proof of income, ID, and details of any existing debts.
The lender will then carry out affordability checks and, in most cases, a property valuation.
If everything meets their criteria, they’ll issue a formal mortgage offer.
Once your mortgage offer is accepted, the final steps involve legal work and finalising the purchase.
A solicitor will handle the legal side, including property searches and contracts.
When everything is in place, the funds are transferred, and you officially become a homeowner.
If you’re remortgaging, this step involves switching your mortgage to the new lender.
We understand that past credit issues can make getting a mortgage feel difficult, but there are options available.
Our expertise in bad credit mortgages in Middlesbrough means we can help you find lenders who take a more flexible approach.
High street banks aren’t always the best route if you have a poor credit history.
We work with lenders who consider a wide range of financial situations, giving you access to mortgage deals that may not be widely advertised.
We know that applying for a mortgage can feel overwhelming, especially if you’ve been declined before.
That’s why we aim to make the process as straightforward as possible, guiding you from application to approval with clear, practical support.
There’s no one-size-fits-all approach when it comes to bad credit mortgages in Middlesbrough.
We take the time to understand your circumstances and find a mortgage that fits your needs, giving you the best chance of securing the right deal.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
Download For Free
Read our 13 Reviews
Middlesbroughmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Middlesbroughmoneyman 2009–2026
Contact
Follow Us
Middlesbroughmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Middlesbroughmoneyman 2009–2026
Speak to an Advisor
7 Days a Week, 8am – 10pm
We value your privacy
This website uses cookies. If you continue to use the site, we will assume that you agree with our use of cookies.
