I have a bad credit rating. Am I able to still get a mortgage?

There are many people that ask the question of “am I able to secure a mortgage if I have bad credit in the UK?” and the answer for the majority of cases is yes you can. However, some mortgage lenders will turn you away if you have unfavourable issues on your credit file, some providers will base their lending decision on the severity of the credit issues, how long they have been on your credit file, and how close you match their other eligibility and affordability requirements. There are however lenders out there who specialise in lending to those with adverse credit and here at MO we will always look at all the options available, regardless of your situation.