Bad Credit Mortgages ,Turning Setbacks into Success
Struggling to secure a mortgage because of past credit issues? At Contractor Mortgage Solutions, we specialise in helping contractors and self-employed professionals with bad credit secure the lending they deserve. Whether you’ve had defaults, CCJs, late payments, or are newly rebuilding your score, our experts can connect you with specialist lenders who see beyond your credit history.
Tailored Mortgage Solutions / Options / Types
Bad Credit Doesn’t Mean No Mortgage
We work with specialist lenders who understand that your financial past doesn’t define your future.
Adverse Credit Mortgages
If you’ve experienced credit challenges ,such as defaults, arrears, or missed payments ,we can connect you with lenders who specialise in supporting borrowers with imperfect histories.
CCJ & Default Mortgages
Even with County Court Judgments (CCJs) or defaults on record, it’s possible to secure a mortgage. Our team works with lenders who assess your full financial picture, not just your credit file.
Debt Management or IVA Mortgages
If you’re currently in or recently completed an IVA or debt management plan, our advisers can identify lenders open to flexible arrangements.
Credit Rebuild Mortgages
Looking to repair your credit profile through responsible borrowing? We can help you access products designed to help rebuild financial trust over time.
We work with more than 120 mortgage lenders, including:
We Operate Based on Your Day Rate
We specialise in securing mortgages for contractors based on their contract earnings alone ,not tax returns or accounts.
Over the last decade, we’ve helped countless contractors and self-employed individuals, including those with adverse credit, secure homes and investments. Our relationships with specialist lenders mean we can offer deals you won’t find on the high street.
Use our calculator to estimate your borrowing power
Use our mortgage calculator to estimate how much you could borrow based on your day rate and financial situation.
Please note, this calculator provides only an indication ,for a tailored recommendation, contact our advisers for a free consultation.
Almost there!
Please provide your details to see your mortgage calculation resultsYour Estimated Borrowing Amount
Please note, that this calculator only provides indications of possible borrowings.
Contact us for a free bespoke contractor mortgage recommendation.
Ready to discuss your options?
Bad credit shouldn’t stop you from owning a home. We work with specialist lenders who understand your situation and offer realistic mortgage solutions tailored to contractors and self-employed professionals.
Compare & Find the Right Mortgage for You
Don’t settle for rejection ,explore, compare, and secure the best mortgage deal that fits your circumstances.
Mortgage Comparison
Find the Right Mortgage in Minutes
Our comparison tool connects you with top lenders who offer mortgages for clients with credit challenges. Compare rates, repayment options, and eligibility in one simple view.
Mortgage Quote
Personalised Mortgage Quote, Instantly
Get a free, no-obligation quote tailored to your financial profile. Whether you’ve faced credit setbacks or are rebuilding your score, our system identifies suitable lenders without affecting your credit rating.
Why Choose Contractor Mortgage Solutions for Bad Credit Mortgages?
Testimonials
Mark P.
IT Contractor
After being turned down twice due to a past default, CMS secured me a deal within three weeks. They truly understand contractor income.
Sarah H.
Engineer
I thought bad credit meant no mortgage. CMS proved me wrong ,friendly, fast, and professional service.
Daniel K.
Construction Contractor
Even with a recent IVA, they found me a lender who understood my situation. Highly recommend!
FAQ’s
Can I get a mortgage with bad credit in the UK?
Yes. Many specialist lenders offer mortgages to borrowers with missed payments, defaults, or CCJs ,especially when income stability is proven.
Our Partners: https://mortgage-tek.co.uk/
How far back do lenders check my credit history?
Most lenders review the last 6 years of your credit file. However, older issues often have minimal impact.
Will my credit score affect the interest rate?
Yes, but not always significantly. Specialist lenders assess overall risk ,stable income and a strong deposit can offset a low score.
Can I get a mortgage after an IVA or bankruptcy?
Yes. Many lenders will consider applications 1–3 years after completion, depending on your current financial position.
How much deposit will I need?
Typically between 15–30%, depending on the severity and recency of credit issues.
Does applying for a quote affect my credit score?
No. Using our quote tool is soft-check only ,it won’t impact your credit rating.