Your Bad Credit Mortgages Specialist Broker

County Court Judgements

Defaults, missed payments

IVA's, Debt Management Programs


Whatever your situation, give us a call.

Check your eligibility

or call 0121 616 0216 and get started now

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Don't let bad credit stop you from applying for a mortgage

Turned down by your bank for a mortgage?

Bad credit mortgages

Doesn't mean you can't get a mortgage!

We have a wealth of experience in bad credit mortgages. We compare the WHOLE of the mortgage market which gives us access to all the specialist lenders and exclusive deals.

We will not quit until we have explored every avenue to getting you a mortgage.

Partner got bad credit but good income?

Partner with bad credit

You can still get a joint mortgage!

When one of you has bad credit applying for a joint mortgage can be problematic when using high street banks as they will credit check you both and make their assessment.

We can help with using both your incomes to increase the amount you could borrow.

First time buyers using Help to Buy?

First time buyers with bad credit

Benefit from State backed scheme!

We have access to lenders that will lend using Help to Buy schemes even if you have a history of bad credit. First time buyers with low deposits can get on the propertry ladder.

Let the Government help you purchase your first home with HTB Equity Share.

Right to Buy with bad credit history?

Right to buy with poor credit

Still possible to take up offer!

There are lenders that will consider Right to Buy even though you have a bad credit history. This is a market we specialise in having built solid lender relationships over the years.

We can help find you the best mortgage to take up your Council's offer to purchase.

Why choose Lawrie Mortgages to find your best mortgage?


We compare the WHOLE mortgage and protection market that includes lenders who will consider a history of bad credit. With our expert help you will make the best mortgage choice.


Right through the whole process from your initial enquiry to offer of mortgage your point of contact will be your specialist mortgage adviser. They will be on hand at all times to advise and answer any questions you may have promptly and in terms you will understand.

We don't quit

Rest assured, we will not quit until we have explored every avenue to get you the mortgage to complete the transaction you need to move on. We want, and will, see it through to the end!

Check mortgage payment

Affordability with bad credit

A mortgage is a major step to take so you have to be completely happy you can make your payments when they fall due.

Use our mortgage payment calculator to get some idea of the likely mortgage payments.

If you need help to decide what payment best suites your circumstances call us on 0121 616 0216 and get started on your mortgage.

Mortgage payment calculator

Bad credit with low credit score