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FCA Regulated
Specialist Bad Credit Broker
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Whole of Market
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No Upfront Fees
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About Bad Credit Queen
We've Been in Your Shoes
We're here to make the stressful world of bad credit mortgages feel a lot less like a 3am Google rabbit hole and a lot more manageable.
We've been in your shoes before. We know how overwhelming it can feel when banks say no. We know how it feels when your credit history holds you back, or every search just leaves you more confused and anxious.
That's why we created Bad Credit Queen - to give people with imperfect credit clear, realistic, and genuinely supportive mortgage guidance.
1200
Families helped
94
%
Approval rate
98
%
Customer Satisfaction
Our Services
How We Can Help You
We help people with imperfect credit, low scores, and complex financial backgrounds - the kind of history that often makes high-street banks say "next please" - find realistic mortgage options. We cut through the jargon, avoid false hope, and focus only on what's genuinely achievable for your situation. With clear FCA-regulated advice and access to specialist lenders who are far more understanding than most high-street banks, we'll handle the heavy lifting so you don't have to.
We help people with imperfect credit, low scores, and complex financial backgrounds - the kind of history that often makes high-street banks say "next please" - find realistic mortgage options.
We cut through the jargon, avoid false hope, and focus only on what's genuinely achievable for your situation. With clear FCA-regulated advice and access to specialist lenders who are far more understanding than most high-street banks, we'll handle the heavy lifting so you don't have to.
Adverse Credit Mortgage Advice
We specialise in helping people with complex or adverse credit histories find realistic mortgage solutions. Whether you have CCJs, defaults, late payments, self-employed income, or have been declined before, we know exactly which specialist lenders are more likely to say yes.
We specialise in helping people with complex or adverse credit histories find realistic mortgage solutions. Whether you have CCJs, defaults, late payments,
Personalised Mortgage Plan
We take the time to fully understand your individual situation — your goals, budget, timeline and income. We build a clear, step-by-step personalised mortgage plan tailored specifically to your needs.
We take time to understand your situation and build a clear, step-by-step mortgage plan tailored to your needs.
CCJs & Defaults
Having a CCJ or default on your credit file can feel like a big barrier. But it doesn’t have to stop you. We give honest, straightforward advice in plain English and only recommend options that are genuinely achievable.
A CCJ or default doesn’t have to stop you getting a mortgage. We give honest advice and focus on realistic option
Remortgage & Product Transfer Support
If your current mortgage deal is coming to an end or you want a better rate, we’ll review the whole of the market, handle the paperwork, and guide you through every step — maximising your savings with clear advice and no surprises.
If your mortgage deal is ending or you want a better rate, we’ll handle the paperwork and guide you through the whole process.
Why Choose Us
The Brokerage Built for you.
Whole-of-Market Access
We compare lenders across the entire market — not just a handful of high-street names.
Empathy First, Always
Your situation isn't a number. We listen, understand, then build a plan around your real life.
Clear Roadmap to Yes
If now isn't the right time, we'll tell you what to fix and when to come back.
Transparent Pricing
Only Pay When You're Ready to Proceed.
We believe in total clarity - no surprises, no hidden costs.
£999 fee - This is payable only when you decide to proceed. That means you've reviewed our personalised recommendation, you're happy with the options we've found, and we've submitted the full application on your behalf.
£999
This is payable only when you decide to proceed.
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No upfront fees whatsoever.
No obligation at any point before you say "yes, let's do this".
100% refundable if we're unable to secure a mortgage for you through no fault of our own.
We only get paid when we successfully deliver - because we'd rather earn it than charge you for trying.
Bad Credit
Let Us Help You Find the Right Path Forward
Bad Credit
Why High Street Lenders May Say No
Past credit difficulties affecting your score
Defaults recorded on your credit file
Missed or late repayments
CCJs, IVAs, or previous bankruptcy history
Income that doesn’t fit standard lending criteria
How Bad Credit Queen Helps You Move Forward
FCA-regulated mortgage guidance tailored to you
Access to specialist lenders who consider complex cases
Realistic mortgage options based on your situation
Support even if you’ve been declined before
Clear, simple explanations at every step
Our Testimonial
What Our Clients Say About Us
James Carter
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Bad Credit Queen made the whole mortgage process easy to understand. I had multiple late payments and thought I would be rejected, but they reviewed my situation carefully, explained everything clearly, and helped me secure a realistic mortgage option that worked for me.
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Robert Willams
After being declined by my bank, I felt completely stuck and unsure what to do next. They took the time to explain my situation, gave honest advice, and found a mortgage option that matched my circumstances and made homeownership feel achievable again.
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Daniel Ahmed
I had CCJs and a poor credit history, so I wasn’t confident at all. They were honest from the beginning, managed expectations clearly, and connected me with specialist lenders who understood my case and offered a real opportunity to move forward confidently.
Emily Roberts
Very professional and supportive service from start to finish. They never gave unrealistic promises, only clear and practical advice based on my credit situation. Everything was explained simply, which helped me feel informed and confident throughout the entire mortgage process.
Michael Thompson
As a self-employed applicant, I struggled to get lenders to understand my income. They helped present everything properly, guided me through each step, and made the entire process smoother and far less stressful than I expected it to be.
Aisha Khan
Excellent communication and fast responses throughout the process. They carefully reviewed my situation, explained all available mortgage options in simple terms, and gave me the confidence to proceed knowing I had realistic and achievable choices available for my circumstances.
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