Bad Credit First Time Buyer

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

Get in Touch Today

1 Step 1

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.


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.

Who do you help?

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

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.

Useful Links

Why Momentum Mortgages?

Podcast Interviews With The Momentum Mortgages Team

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.