The UK’s consumer debt has been hitting the headlines so often in the last twelve months that it has been almost impossible not to have noticed. The amount of people with credit cards is rising, as is the sheer number of people getting themselves further and further into bad debt. For many looking for a mortgage for people with bad credit, the future may look considerably grey but as our information below outlines, if you have a bad credit problem, then don’t despair. You might just be surprised by the choice of mortgages for people with bad credit which are currently on the market.

So, what counts as bad credit?

Bad credit, which can also be referred as adverse credit, can affect anyone living in the UK. Bad credit problems refer to a range of difficulties which people may be experiencing including: