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If you have bad credit and are looking to take out a mortgage, you may face hurdles that could make the process a little more complicated. Having bad credit does not stop you from getting a mortgage, in fact, we have managed to help many applicants secure a mortgage with bad credit in Sheffield.
Whether you are looking to purchase your first home, move property, remortgage or release equity to raise funds for another purchase, we could have a solution for you that allows you to begin your mortgage journey.
We have over 20 years of experience helping bad credit mortgage applicants; there is rarely a situation that we have not come across before!
Before getting the help that they need, we have seen that some customers are tempted to apply for a mortgage online or through a bank or building society. Unfortunately, there is a risk that the product you are applying for is not accessible to applicants with bad credit in Sheffield. If this is the case, your application may be declined.
It’s not just about finding and applying for the lowest interest rate. You may need to take out a specialist mortgage product if you have bad credit in Sheffield, and this may require using a mortgage broker in Sheffield.
An experienced mortgage broker in Sheffield understands the intricacies of lending criteria and works to find you a mortgage product that benefits your current financial situation.
If you have bad credit in Sheffield and want to assess your mortgage options, get in touch with our team of experts and we can try and find a solution for you.
There are a variety of reasons why you could have bad credit, such as CCJs (county court judgments), DMPs (debt management plans), defaults, late or missed payments, IVAs (individual voluntary agreements), or even bankruptcy. Despite these challenges, mortgage options are still available for individuals with a bad credit history.
If you are worried about how your credit score may impact your ability to secure a mortgage, our team of mortgage advisors in Sheffield are here to help. Contact us today and book your free initial mortgage appointment, where we can explore your mortgage options and find a tailored solution to your circumstances.
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
67 5 Star Reviews
Walter Osborne
Easy to talk to and understand every step of applying for a mortgage made easy thank you
2 Jun 2026
Chris Leary
Extremely happy with all the staff that has dealt with our mortgage. Every step has been so smooth and stress free. Thank you so much to everyone at UK Moneyman
2 Jun 2026
H B
We have used Moneyman 3 times now, our initial mortgage and then twice for remortgage, and we definitely intend to use them again in the future. Would definitely recommend to others.
13 May 2026
Lindsay Banks
Ami was fantastic! Professional, knowledgeable, highly skilled at her job and caring, always considering the best needs of the individual, and working tirelessly to reach the best possible outcome. I would recommend her without hesitation, and am so glad I had her on my journey towards securing a motgage offer. Thank you so much!
15 Apr 2026
Elizabeth Heslip
Would 100000% recommend this service. Leo, my advisor held my hand and walked me through the process from start to finish. As a solo first time buyer, it was exactly what I needed, as I found the process very daunting. Stacey was fantastic on the document side of things, and both Leo and Stacey’s communication was fab with me.
16 Mar 2026
charlotte baxter
They have been very helpful and secured our mortgage offer very quickly. Jason was very efficient with the process from first call to us submitting documents and Stacey was great with updates after submitting the application.
12 Feb 2026
Paul Ritchie
We have used Malcolm and his team for years now and have always had a top service. All the team are friendly and professional. Charlie and Paula really helpful on this occasion. Can't believe how quickly they got the mortgage submitted and authorised. Can't thank you both enough for your support. Really excellent service and good value for money.
28 May 2025
Chris Hanning
Great service from the Moneyman team. Walked me through all steps from thinking about house buying/mortgages to getting things over the line. Made a difficult process straightforward.
13 May 2025
Márta Mészáros
I had the pleasure of working with Jason from Sheffield Moneyman, and I couldn't be more impressed with the experience. From the very beginning, Jason was incredibly professional, knowledgeable, and patient. They took the time to explain every step of the mortgage process, making sure I fully understood my options and helping me choose the best loan for my situation. What really stood out was how responsive and available they were, always answering my questions quickly and thoroughly, no matter how small they were. The entire process was seamless, and I felt supported the entire way through. Thanks to Jason, I was able to secure a great mortgage rate and close on my dream home without any issues.
1 Apr 2025
Scott Roebuck
I had a very positive experience working with Jason from Sheffieldmoneyman. His professional approach, coupled with his in-depth knowledge of the financial process, was invaluable. He provided clear and comprehensive guidance, proactively offered tailored advice, and ensured I was consistently informed. I would highly recommend Sheffieldmoneyman to anyone seeking reliable and expert financial assistance.
27 Feb 2025
The first step is in your hands! Simply book your free initial mortgage appointment online or by giving our team a call.
We have slots available 7 days a week, so make sure to book a date and time that fits around your personal and working schedule
During your free initial mortgage appointment, we will look at your current situation, including your credit and work out what sort of mortgage products you may be able to access.
We will also secure an agreement in principle for you within 24-hours of your free initial mortgage appointment. If this documents expires, get back in touch and we can swiftly renew it for you.
We will search through 1000s of specialist mortgage products to find one that fits your personal and financial situation.
Once we find a suitable mortgage product for you, we will present it in the form of a mortgage illustration. If you are happy with this product, we can move onto the next step of your journey – mortgage application.
From this point, we will pass you onto your own dedicated case manager. They will help you prepare your mortgage application, making sure that you have all of the correct documents in place to support your affordability for this mortgage.
The last step is to send off your mortgage application, then await the response from the lender!
We give every customer the chance to book a free initial mortgage appointment online or by giving us a call over the phone.
You can select a date and time of your choice!
We will search through 1000s of specialist mortgage products to find the most suitable solution to you and your circumstances.
We will factor in your credit, income, outgoings and overall affordability when determining a product for you.
Our team of experienced mortgage advisors in Sheffield harness over twenty years of expertise in the industry.
We apply this wealth of knowledge into each case we take on, trying to make sure that customers find a solution that matches their needs.
We work 7 days a week so that you can get in touch at a time that suits you.
Book an early morning, afternoon or evening appointment – whatever time works for you and your other commitments.
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.
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Sheffieldmoneyman 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.
© Sheffieldmoneyman 2009–2026
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Sheffieldmoneyman 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.
© Sheffieldmoneyman 2009–2026
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