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Find mortgages for bad credit

These days, mortgages for people with bad credit can be hard to come by. But with expert help from Ocean Finance, you could find a mortgage deal even if you've had trouble with your finances in the past.

We specialise in helping people with bad credit find the deal they're looking for. With access to thousands of mortgage deals from many of the UK's leading lenders, we'll help you compare your options and find a mortgage deal that suits you.

Apply for a bad credit mortgage using our simple application form, and one of our qualified mortgage advisers will get back to you. All mortgages are assessed subject to status.

Please give us your contact details so we can talk through your application

Your mortgage details

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Common questions

Can I get a bad credit mortgage if I've been made bankrupt?

Finding a mortgage after bankruptcy can be very difficult. If you were made bankrupt in the last six years it can be almost impossible, because records will be visible on your credit history and many lenders will reject your application as a result.

It may be easier to find a mortgage after this time, but some lenders will still reject you if you have ever been made bankrupt.

Will getting a mortgage help my credit score?

Yes, as long as you keep up with your payments. Any credit agreement can help to improve your credit rating as long as you don't fall behind.

For this reason, you should always make sure you borrow an amount that you can comfortably afford. If you choose a tracker mortgage you should bear in mind that your payments could increase in the future.

Can you help me if I've been turned down by other lenders?

Yes. Because we have many years of experience working with some of the UK's biggest mortgage lenders, we have a good idea of which deals you're likely to qualify for. This saves you the hassle of applying for deals on your own and being rejected.

This could be especially important if you've had a mortgage application refused recently, because too many applications on your credit history could make it more difficult to find a deal.

Ocean Finance is rated 4.7 out of 5 stars based on 835 customer reviews on

Ocean Mortgages arranges mortgages and re-mortgages from a panel of lenders. Ocean Mortgages will receive a commission from the lender upon completion. Ocean Mortgages charge a broker fee of between £495 to £1995 for advising and arranging a mortgage. This fee is only payable upon completion, is non-refundable and dependent on the product taken. Mortgages available subject to status. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.