Your browser is out of date

This website has been built for modern browsers, yours is many years out of date and as a result, your experience of this website will be poor.

Please upgrade your browser and pop back.


Bad Credit First Time Buyer Mortgage

A poor credit rating doesn’t have to be the barrier to getting your first mortgage. We can help you get your foot on the housing ladder, regardless of your credit score

Being a first-time buyer is an exciting experience, albeit a slightly daunting one. If you have a history of bad credit, the process of getting approved for a mortgage can seem tough, but it certainly isn’t impossible – especially with our help.


With our expertise and specialist knowledge of the market, we can find the right lender for you. While your options may be slightly more limited with a poor credit rating, we’ll work hard to find a mortgage that fits your circumstances, so that before you know it you’ll be able to call yourself a homeowner.

Case Study

Our clients Jake and Kat were first time buyers, they were sick and tired of renting but didn’t think they would be able to get a mortgage as Jake had some bad credit on his credit profile.

Read more

Who do you help?

We can help you if you have experienced any of the following:



Poor credit score

No credit history

Late payments

Payment defaults


Incorrect address listed on credit report

Poor bank account conduct



Not being listed on electoral roll

High volume of credit applications

Missed mortgage payments


Payday loan debts


How do I check for bad credit?

It’s easy to find out if you have bad credit. The main credit reference agencies let you check your score for free online. You can check your credit report at Check My File. You can try for free for 30 days, then it’s £14.99 per month with the option to cancel at any time.

The process doesn’t take long, and they’ll also provide a report flagging any issues such as records of missed payments.

Get in touch

If you’re a first-time buyer and you’re worried about getting a mortgage with your credit rating, we can help. Just get in touch to set up a friendly chat

Momentum Mortgages is proud to be a part of Embrace Financial Services .