Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
Having bad credit in York does not mean you cannot get a mortgage. We’ve been able to help many customers onto the property ladder, even with bad credit. We aim to offer solutions for:
By working with both high street and specialist lenders, our mortgage advisors in York have access to 1000s of bad credit mortgage deals. Each lender has detailed criteria designed to help those with bad credit obtain a mortgage.
We do tend to get enquiries regarding those who have exhausted their options with banks, estate agents and online comparison sites. What some of these people don’t realise is that each credit search they undergo could further harm their chances of securing a mortgage with bad credit even further.
As an expert mortgage broker in York, we will use their in-depth knowledge of lending criteria and aim to get your mortgage placed with the right lender the first time, avoiding any harm on your score. You can enquire online or telephone us today.
If you haven’t got an up-to-date copy of your credit file, click here as this is a great one to use as it searches 3 of the main credit reference agencies and it’s a free trial*.
*Try it free, then it’s a paid monthly subscription – cancel online anytime
As providers of expert mortgage advice in York, we understands the importance of customers goals to home ownership. We’ll take the time to delve into the specifics of your bad credit history – when it occurred, its nature, whether it’s been resolved, and the financial details surrounding it. This thorough understanding allows us to offer tailored recommendations for your unique situation.
Bad credit comes in various forms, from CCJs (county court judgments) and DMPs (debt management plans) to defaults, missed or late payments, IVAs (individual voluntary agreements), and even bankruptcy.
If you are considering getting a new mortgage and are concerned about your credit score, you can speak with one of our mortgage brokers in York today to find out what your mortgage with bad credit options are.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Our Customers Love Us
60 5 Star Reviews
Florence Williams
Very helpful, friendly and efficient team. Thank you for making the whole process as smooth as possible
4 Dec 2025
Loren Kinera
Tom made the entire process easy. He communicated throughout and was very quick! We will definitely be using him again and would recommend to any friends and family.
25 Sep 2025
Sarah
Absolutely brilliant service from Matt and Lizzie - both friendly , efficient and very helpful ! Highly recommend :)
10 Apr 2025
Xander Shooter
Malcolm and Lizzi and the rest of the team have provided first class service. Talking us through the mortgage process and assisting anywhere they could with the house buying world. Two phone calls and two video calls and boom mortgage done leaving no question unanswered. Absolutely brilliant service. Almost looking forward to remortgaging in a few years. 10/10 would recommend to anyone especially first time buyers.
4 Apr 2025
Neil Whitehead
Great service - personable, knowledgeable and efficient.
6 Mar 2025
Coral Berry
Very friendly and helpful staff. Fast completion and made getting our first mortgage much less stressful. Highly recommended!
23 Feb 2025
Katy Town
Brilliant service from Tom and Paula. They always kept us up to date and answered any questions we had. Paula kept things moving and in touch with the mortgage company to make sure everything ran smoothly.
3 Dec 2024
Jack Bowley
Massive thank you Matt Collinson and the UKMoneyMan team. They were the first company we reached out to for mortgage advice, and the warm welcome started right at the start. We've got all the advice and help we needed, and Matt worked with what we had and gave us what we believe to be the best deal possible. He's been absolutely wonderful dealing with and I can recommend his services to anyone who's in need of a mortgage broker. I'd give more stars if I could! Thank you Matt.
25 Nov 2024
Josh Broadbent
Malcolm and Amy are fantastic at what they do. It’s refreshing to deal with such competent & efficient people. Thank you for making the First Time Buyer process that little bit easier! Will recommend to friends & family.
23 Oct 2024
Daniela Saunders
Great service, incredibly helpful and quick with everything. We're FTB and they were amazing for us, got our mortgage within 3 days and everything was seamless
21 Oct 2024
During your free initial mortgage appointment with a mortgage advisor in York, you’ll have the opportunity to discuss your financial situation.
They will conduct a comprehensive evaluation of your income and expenses to provide tailored guidance.
Our team of specialist mortgage advisors in York can explore 1000’s of deals specifically designed for bad credit mortgages.
Following your mortgage appointment, we’ll arrange an agreement in principle (AIP) for you, typically within 24 hours. This serves as a valuable tool when making offers on a property.
Once you have received an accepted offer on a property, our case managers will work with you to begin preparing your mortgage application.
Once we are ready to do so, we can send your application off to the mortgage lender.
Now that you have submitted your mortgage application, all that is left to do is to wait for the mortgage lender’s response!
Alongside the mortgage, we will recommend insurance products to protect you and your family in the future.
Part of our job as a mortgage broker in York is to be completely transparent with you.
If we cannot find you a better rate than what you’re currently on/have been offered, we will make sure that you’re aware of this.
You can book your own mortgage appointment online through our ‘Get Started’ process. We have availability 7 days a week and are open until late!
Book a free initial mortgage appointment and start your mortgage process today.
Over our 20 years of working in the mortgage industry, we’ve collected many customer reviews. Every review shows how invaluable our service is and how much our customers have valued it.
Take a look at our outstanding reviews and see them for yourself.
Yorkmoneyman can access a wide range of competitive mortgage products. We have both specialist and high street products to hand.
We will search the market and try and find you a deal that matches your personal and financial situation perfectly.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
Download For Free
Read our 214 Reviews
Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
Contact
Follow Us
Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
Speak to an Advisor
7 Days a Week, 8am – 10pm
We value your privacy
This website uses cookies. If you continue to use the site, we will assume that you agree with our use of cookies.
