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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
4.96 Rating213 Reviews
Steven
Very happy with the level of service, helped us through every stage at no point did we feel like we didnt know what was going on.
1 month ago
Rebecca
Charlie was brilliant. Very friendly and efficient. Would definitely recommend.
2 months ago
nicholas
simple process with friendly and helpfull staff
3 months ago
Sarah
Fantastic, friendly service from a super efficient and highly knowledgeable team! This was the first time we've been through the process and we were fully supported at every stage.
3 months ago
Anonymous
Amazing team. Honest and helpful throughout. Malcolm is wonderful.
4 months ago
Lewis
Excellent, thorough service that is definitely worth the money.
4 months ago
Phil
Absolutely brilliant service from Conor and the rest of the team. I was provided clear details and guidance around my options and they made the process an absolute breeze. Really took the headache out of what can be a very stressful process. Would...
5 months ago
Raphaella
Brilliant service helping me to remortgage.
6 months ago
Katy
Matt and the team have been great. Quick turnaround from AIP to formal offer. Good advice and explained well in the initial stages. Overall very easy and simple process.
7 months ago
Nathan
Matt Collinson and his support team are brilliant, second time of using them and both times have been very smooth and simple! They have enabled to to exceed all my expectations the houses I would be able to purchase!
7 months ago
Reece
Very helpful, very efficient. Good service from a good team.
8 months ago
Anonymous
Made the remortgaging process very simple and completely painless! Highly recommend.
8 months ago
Anonymous
My industry generally uses fixed-term contracts and this complicated my situation when looking for my first mortgage. With my broker's help I was able to secure a mortgage and recently completed the purchase of a property. Thanks.
8 months ago
Grayson
smooth process throughtout. great communucation.would highly recommend to anyone looking for a mortgage broker.
8 months ago
Kieran
Helped me through my morgage process with no issues and was always just a phone call away to help me with any questions very great service throughout would highly recommend.
8 months ago
Mr.
Excellent advice given since I first started using their services. Honest and clear.
8 months ago
Chris
Fantastic service, Charlie and the UK Moneyman team went above and beyond to understand our financial situation and help us to get on the property ladder. Everything was patiently and clearly explained to us and we were kept up to date with the...
9 months ago
Anonymous
Excellent and personalised service
10 months ago
Alison
Have been very impressed. Certainly smoothed the whole process. Got a good deal on an atypical mortgage. Got an agreement in principle very quickly.
10 months ago
Simon
Excellent service
11 months ago
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.
Read our 213 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
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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
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