A poor credit mortgage (sometimes know as a sub-prime mortgage) is a loan given to those with less than perfect credit. Usually the borrower would have credit issues such as CCJs (County Court Judgements due to non payments of outstanding debt), an IVA (individual voluntary arrangement that allows an individual to avoid bankruptcy and make maximum possible restitution to creditors), arrears (payments that have not been made by the due date), defaults (failure to meet the terms of a loan by not paying the interest or capital due), bankruptcy or repossession problems.

Whatever your circumstances, Apply for a Loan aim to help you decide on the most appropriate loan available. You can then choose from some of the best interest rates on offer.

Mortgage Calculator

The calculator below will give an estimate of what your monthly repayments may be based on the interest rate, term of the loan and the amount you wish to borrow. Please note the calculator is for guidance only and does not form the basis of any offer or contract between advisor and borrower.

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ALL local areas of England, Scotland, Wales and Northern Ireland are covered including Aberdeen, Abergavenny, Aberystwyth, Abingdon, Accrington, Acle, Addlestone, Alcester, Alconbury, Aldbourne, Alderley Edge, Aldermaston, Aldershot, Alexandria, Alfreton, Alloa, Almondsbury, Alness, Alnwick, Alresford, Alrewas, Alton, Altrincham, Amersham, Ampthill, Andover, Annan, Antrim, Appley Bridge, Arbroath, Ardglass, Arundel, Ascot, Ash Vale, Ashbourne, Ashby-de-la-Zouch, Ashford, Ashington, Aston, Atherton, Attleborough, Aveley, Avoch, Avon, Aylesbury, Ayr.

Bagshot, Bakewell, Baldock, Banbridge, Banbury, Banstead, Barnsley, Barnstaple, Barrhead, Barrow-in-Furness, Barry, Barton-upon-Humber, Basildon, Basingstoke, Bath, Batley, Beaconsfield, Beaminster, Bedford, Beeston, Belfast, Bellingdon, Bellshill, Belmont, Belper, Berkeley, Berkhamsted, Berwick-upon-Tweed, Beverley, Bicester, Bideford, Biggar, Biggleswade, Billericay, Billingham, Billingshurst, Binfield, Birchwood, Birkenhead, Birmingham, Birstall, Bishop's Cleeve, Bishop's Stortford, Bishop Auckland, Blaby, Blackburn, Blackheath, Blackpool, Blandford Forum, Blantyre, Bletchley, Bloxham, Blunham, Bodelwyddan, Bodmin, Bognor Regis, Bolton, Boness, Boothstown, Bootle, Borehamwood, Boston, Bottisham, Boughton, Bourne, Bourne End, Bournemouth, Bourton, Bowthorpe, Brackley, Bracknell, Bradford, Bradford-on-Avon, Braintree, Bramham, Brampton, Brasted, Brecon, Bredbury, Brentford, Brentwood, Bridge of Weir, Bridgend, Bridgnorth, Bridgwater, Brierley Hill, Brighton, Brill, Bristol, Broadbridge Heath, Broadstairs, Broadway, Brockenhurst, Brodick, Bromborough, Bromsgrove, Brookmans Park, Broseley, Brough, Broxbourne, Bruton, Buckingham, Bucksburn, Bude, Buntingford, Burford, Burgess Hill, Burnham, Burnley, Burton on Trent, Burtonwood, Bury, Bury Saint Edmunds, Bushey, Buxton, Byfleet.

Caddington, Caernarfon, Caerphilly, Callington, Calne, Camberley, Camborne, Cambridge, Camelford, Camerton, Campbeltown, Cannock, Canterbury, Canvey Island, Capenhurst, Cardiff, Cardigan, Carlisle, Carmarthen, Carno, Carrickfergus, Castle Donnington, Castle Douglas, Castleford, Castleton, Castletown,Isle Of Man, Caterham, Cawthorne, Chalfont, Chalgrove, Chandlers Ford, Chapeltown, Chard, Charing, Charlwood, Chatham, Chatteris, Cheadle Hulme, Chelmsford, Cheltenham, Chepstow, Chertsey, Chesham, Cheshunt, Chester, Chesterfield, Chichester, Chineham, Chinnor, Chipping Norton, Chipping Sodbury, Chorley, Christchurch, Church Stretton, Cirencester, Clacton-on-Sea, Clapham, Cleckheaton, Cleethorpes, Clevedon, Clifton, Clydebank, Coalville, Coatbridge, Colchester, Coleford, Coleraine, Colnbrook, Colwyn Bay, Compton, Congleton, Connahs Quay, Consett, Conwy, Cookham Dean, Cookstown, Coppingford, Coppull, Corby, Cosham, Cottenham, Coventry, Cowes, Cowley, Craignure, Cramlington, Cranfield, Crawley, Crediton, Crewe, Crewkerne, Cromarty, Cromer, Crowborough, Crowthorne, Croydon, Crumlin, Crymmych Arms, Cumbernauld, Cwmbran.

Dale, Darlington, Dartford, Darwen, Daventry, Denbigh, Denmead, Derby, Devizes, Devon, Didcot, Dingwall, Dodleston, Doncaster, Dorchester, Dorking, Dornoch, Dover, Dowlais, Downham, Downpatrick, Drayton, Droitwich, Dudley, Dumbarton, Dumfries, Dundee, Dunfermline, Dungannon, Dunmurry, Duns, Dunstable, Durham.

Eaglesham, East Grinstead, East Kilbride, East Markham, East Retford, Eastbourne, Eastleigh, Edgbaston, Edinburgh, Edwalton, Egham, Elgin, Ellesmere Port, Elstree, Ely, Enderby, Enniskillen, Epping, Epsom, Esher, Eskdalemuir, Etchingham, Evesham, Ewell, Exeter, Exminster, Exmouth, Eyam, Eyemouth, Eynsham.

Fairford, Falkirk, Falmer, Falmouth, Fareham, Farnborough, Farnham, Farringdon, Felixstowe, Felpham, Fenton, Ferndown, Ferryhill, Fife, Filleigh, Findhorn, Findon, Fleet, Fleetwood, Flint, Flitwick, Folkestone, Fordingbridge, Forest Row, Forfar, Forres, Foulridge, Frimley, Frome, Ft William.

Gainsborough, Garreg, Gateshead, Geddington, Gerrards Cross, Glasgow, Glastonbury, Glengormley, Glenrothes, Glossop, Gloucester, Godalming, Goole, Gorebridge, Gorleston on Sea, Gourock, Grantham, Gravesend, Grays, Great Baddow, Great Malvern, Great Missenden, Great Yarmouth, Greenock, Grimsby, Guildford, Gwent.

Haddenham, Hailsham, Halesowen, Halifax, Halton, Hamble, Handforth, Hanslope, Harlech, Harleston, Harlow, Harpenden, Harris, Harrogate, Hartlepool, Harwell, Haslingden, Hastings, Hastingwood, Hatfield, Havant, Haverfordwest, Haverhill, Hawarden, Hawes, Haydock, Hayle, Hayling Island, Haywards Heath, Headley Down, Heathfield, Heckfield, Hedge End, Helsby, Helston, Hemel Hempstead, Henfield, Hengoed, Henley-in-Arden, Henley-on-Thames, Hereford, Herne Bay, Hersham, Hertford, Hexham, Heybridge, Heywood, High Bentham, High Wycombe, Hildenborough, Hinckley, Hindhead, Histon, Hitchin, Hoddesdon, Holmes Chapel, Holmfirth, Hook, Horley, Horncastle, Horsham, Horton Kirby, Hove, Howden, Hucknall, Huddersfield, Hull, Hungerford, Huntingdon, Huyton-with-Roby.

Ibstock, Ilkeston, Ilkley, Immingham, Ingham, Ingram, Inveraray, Inverbervie, Inverness, Inverurie, Ipswich, Irlam, Irvine, Iver.

Jedburgh, Johnstone.

Kearsley, Keele, Kegworth, Keighley, Kelso, Kempston, Kendal, Kenilworth, Kennacraig, Kensington, Kettering, Kidderminster, Kidlington, Kidsgrove, Kilbarchan, Kilbride, Kilmacolm, Kilmarnock, Kilwinning, Kingarth, Kings Langley, Kings Lynn, Kingsbridge, Kingston, Kingston Bagpuize, Kingswinford, Kinross, Kirkby, Kirkby in Ashfield, Kirkcaldy, Kirkintillock, Kirklees, Kirkwall, Kirmington, Kirriemuir, Knowsley, Knutsford.

Lakenheath, Lampeter, Lancaster, Lancing, Langford, Langley, Larkhall, Lasswade, Launceston, Lawhitton, Leafield, Leatherhead, Lechlade, Lee-on-the-Solent, Leeds, Leek, Leeming, Leicester, Leighton Buzzard, Lenham, Lerwick, Letchworth, Lewes, Lewknor, Leyland, Lichfield, Lighthorne, Lincoln, Lindsey, Liphook, Lisburn, Liskeard, Little Chalfont, Little Chesterford, Littlebourne, Littlehampton, Liverpool, Livingston, Llanberis, Llandrindod Wells, Llanelli, Llangefni, Lochinver, Lochmaddy, Lochwinnoch, Lockerbie, Locks Heath, London, London Colney, Londonderry, Long Eaton, Long Stanton, Long Stratton, Loughborough, Louth, Lowestoft, Lowick, Lowther, Ludlow, Lurgan, Luss, Luton, Lutterworth, Lyme Regis, Lymington, Lymm, Lyndhurst, Lyneham.

Macclesfield, Machynlleth, Maghull, Maidenhead, Maidstone, Maldon, Mallaigmore, Malmesbury, Malton, Malvern Link, Manchester, Manningtree, Mansfield, March, Margate, Market Harborough, Market Rasen, Marlborough, Marlow, Marske-by-the-Sea, Matlock, Melbourn, Melbourne, Melksham, Melrose, Melton Mowbray, Meriden, Merthyr Tydfil, Middlesbrough, Midhurst, Mildenhall, Milford, Milnthorpe, Milton Keynes, Mirfield, Mitcheldean, Monmouth, Montrose, Moorside, Morecambe, Morpeth, Mossley, Motherwell, Mountain Ash, Muir, Musselburgh.

Nantwich, Neath, Neilston, Nelson, Nettlebed, New Milton, Newark-on-Trent, Newburn, Newbury, Newcastle, Newcastle Emlyn, Newcastle under Lyme, Newcastle upon Tyne, Newmarket, Newport Pagnell, Newquay, Newry, Newton Abbot, Newton Aycliffe, Newtown, Newtown St Boswells, Newtownabbey, Newtownards, North Berwick, North Shields, North Tyneside, North Walsham, Northallerton, Northampton, Northfleet, Northhampton, Northowram, Northwich, Norwich, Nottingham, Nuneaton.

Oakham, Odiham, Oldbury, Oldham, Olney, Omagh, Ormskirk, Oswestry, Oundle, Overseal, Oxford, Oxted.

Paignton, Paisley, Pangbourne, Peckleton, Peebles, Penarth, Penrith, Penshaw, Penzance, Perth, Peterborough, Peterlee, Petersfield, Petworth, Plymouth, Plympton, Pocklington, Pontefract, Pontyclun, Pontypool, Pontypridd, Poole, Poplar, Port Ellen, Port Talbot, Portadown, Porthcawl, Porthleven, Portland, Portlethen, Portree, Portsmouth, Potters Bar, Prenton, Prescot, Preston, Prestwick, Princes Risborough, Pudsey, Purfleet, Pwllheli.

Radlett, Rainhill, Ramsey,Isle Of Man, Ramsgate, Ranfurly, Rassau, Rawtenstall, Rayleigh, Reading, Redcar, Redditch, Redhill, Redruth, Reigate, Renfrew, Rhondda, Richmond, Rickmansworth, Ripon, Risley, Riverhead, Rochdale, Rochester, Rochford, Rock Ferry, Romsey, Roslin, Ross-on-Wye, Rosyth, Rothbury, Rotherham, Rowlands Gill, Rowley Regis, Royal Leamington Spa, Royal Tunbridge Wells, Royston, Rugby, Rugeley, Runcorn, Ruscombe, Rushden, Rusper, Rustington, Rutherglen, Ruthin, Ryde.

Saffron Walden, Sale, Salford, Salisbury, Saltaire, Saltburn-by-the-Sea, Sandbach, Sandbank, Sandwell, Sandwich, Sandwick, Sawbridgeworth, Sawtry, Saxmundham, Scarborough, Scole, Scunthorpe, Seaford, Seal, Sedlescombe, Sefton, Sevenoaks, Shaftesbury, Shawbury, Sheerness, Sheffield, Shepperton, Shepreth, Shepshed, Shepton Mallet, Sherburn, Shipley, Shipston-on-Stour, Shrewsbury, Sidmouth, Silchester, Silverstone, Sittingbourne, Skelmersdale, Skipton, Sleaford, Slough, Smethwick, Solihull, Somercotes, Soulbury, South Bank, South Cernery, South Mimms, South Tyneside, Southampton, Southend, Southend-on-Sea, Southport, Southsea, Spalding, Spennymoor, Spilsby, St Albans, St Andrews, St Austell, St Boswells, St Helens, St Ives, St Neots, Stafford, Staines, Stalybridge, Stamford, Stanstead Abbots, Stansted, Stanwell, Stapleford, Staplehurst, Staverton, Stevenage, Steyning, Stirling, Stock, Stockbridge, Stockley, Stockport, Stockton-on-Tees, Stoke Gifford, Stoke on Trent, Stoke Poges, Stokesley, Stonehouse, Stony Stratford, Stornoway, Stourbridge, Stourport-on-Severn, Stowmarket, Strabane, Stratford-on-Avon, Stroud, Studley, Suffolk, Sunbury, Sunderland, Sunninghill, Sutton, Sutton Coldfield, Sutton Courtenay, Sutton in Ashfield, Swadlincote, Swallowfield, Swanley, Swanmore, Swansea, Swavesey, Swindon.

Tadcaster, Tadworth, Talbot Green, Tamworth, Tarbert, Tarfside, Tattenhall, Taunton, Teddington, Telford, Templecombe, Tenby, Tetbury, Tewkesbury, Thame, Thames Ditton, Thanet, Thatcham, Theale, Thetford, Thirsk, Thornbury, Thorpe-le-Soken, Thrapston, Thurrock, Tilbury, Tipton, Tiptree, Titchfield, Tiverton, Tonbridge, Torbay, Torquay, Totton, Towcester, Tranmere, Tring, Trinity, Trowbridge, Truro, Tuxford, Tywyn.

Uckfield, Uddingston, Uig, Ullapool, Upper Heyford, Uppingham, Uttoxeter.

Virginia Water.

Wadhurst, Wainfleet, Wakefield, Wallasey, Wallingford, Wallington, Walsall, Waltham Cross, Walton-le-Dale, Walton-on-Thames, Wantage, Wardley, Ware, Warminster, Warrington, Warwick, Washington, Waterlooville, Watford, Watton, Weaverham, Wednesbury, Wellingborough, Welwyn Garden City, Wembley, Wendover, West Bromwich, West Kirby, West Lothian, West Malling, West Moors, Westcliff-on-Sea, Westerham, Westhoughton, Weston-Super-Mare, Wetherby, Weybridge, Weymouth, Wheathampstead, Whitchurch, Whitehaven, Whitstable, Wicken, Wickford, Widnes, Wigan, Willenhall, Willersey, Willingham, Wilmslow, Wimborne Minster, Winchcombe, Winchester, Windermere, Windsor, Wingerworth, Winnersh, Winsford, Witham, Withington, Witney, Woking, Wokingham, Wollaston, Wolverhampton, Wombourne, Wombwell, Woodbridge, Woodley, Woodside, Wootton Bassett, Worcester, Workington, Worksop, Worthing, Wotton-under-Edge, Wrexham, Wymondham.

Yalding, Yarm, Yateley, Yeovil, York and Ystrad Mynach.

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. © Apply for a Loan, 5 Keysland, Thundersley, SS7 3TW. This site is an independent marketing website and not a lender or financial adviser. We pass enquiries to financial service providers and cannot offer advice and are not responsible or liable for any financial service obtained through a third party. You may be required to pay a broking fee. The fee will depend on your circumstances, an indication is 1%. Early repayment charges will apply. They will vary depending on the mortgage you choose. Overall cost for comparison is 7% APR. Actual rate available will depend upon your circumstances. Ask for illustration. APR variable and based on a usual case. Terms