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Bad Credit Mortgage Calculator UK

Estimate monthly repayments and broad affordability assumptions if you have missed payments, defaults, CCJs or other credit history to discuss.

This calculator is for illustration only and provides estimates for general information. It is not mortgage advice, a mortgage offer, a decision in principle or a guarantee of rates, fees, eligibility or savings.

Bad Credit Mortgage Calculator

Estimate repayments and a broad affordability range when credit history needs extra review.

Monthly repayment
£—
Affordability range
£—
Loan-to-value
—%
Adjust the figures to estimate repayments.

Calculator results are estimates only. This tool does not check your credit file, lender criteria or product availability, and it is not a mortgage offer or decision in principle.

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Keep a copy of this estimate

Email yourself a PDF summary of the figures currently shown on this calculator.

Calculator results are estimates only. Actual rates, fees, eligibility and products depend on your circumstances and lender criteria.

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Calculator results are estimates only and are for general information only. They are not mortgage offers, decisions in principle or regulated mortgage recommendations.

How credit history may affect a mortgage application

Lenders usually consider the type of credit issue, when it happened, whether it is settled, the amount involved and the explanation behind it. They also assess income, expenditure, deposit, loan-to-value, property type and overall affordability.

What the calculator can and cannot show

This calculator can model repayments from your chosen rate assumption and term. It can also show a broad affordability range using cautious income multiples. It cannot check your credit file, confirm lender criteria, show live rates or predict whether a lender will accept an application.

Information to gather before speaking with an adviser

  • Recent credit reports from the main credit reference agencies.
  • Dates, values and settlement status for missed payments, defaults, CCJs, IVAs or bankruptcies.
  • Proof of income, bank statements and details of regular commitments.
  • Deposit source, property price and purchase or remortgage goal.

Speak to an adviser

Credit-impaired mortgage cases can be assessed differently by each lender. Request a callback if you want an adviser or broker partner to discuss your circumstances and explain what checks may be needed before any application.

Frequently asked questions

Can I get a mortgage with bad credit? +
It may be possible for some borrowers, but it depends on the type, age, value and status of the credit issue, plus income, deposit, property and lender criteria. This website cannot confirm acceptance.
Does this calculator check my credit score? +
No. It does not run a credit search or access your credit file. Using the calculator does not affect your credit score.
Will I need a bigger deposit? +
Some lenders may ask for a larger deposit where there are recent or serious credit issues. The deposit needed depends on lender criteria and your full circumstances.
Are the rates shown real lender rates? +
No. The rate field is an assumption for modelling repayments. Actual rates and fees depend on lender criteria, product availability and adviser assessment.

Suggested next steps

Related calculators and guides

Bad Credit Mortgage CalculatorEstimate repayments and broad affordability assumptions when credit history needs extra review.Offset Mortgage Calculator GuideUnderstand how an offset mortgage could affect interest estimates when savings are linked to a mortgage balance.Fixed Rate Mortgage Calculator GuideEstimate monthly payments for a fixed-rate mortgage and compare the effect of term, balance and rate assumptions.

Calculator-led mortgage planning

UK Mortgage Calculators is centred on practical estimation tools. The pages help you model cautious scenarios before you decide whether to request a broker or adviser callback.