Going over your agreed credit limit or overdraft amount. How much you can borrow for a mortgage in the UK is generally between 3 and 45 times your income. Minimum Credit Score For Mortgage June 2021 Too many applications for more credit eg. Bad credit mortgages uk 2020 . Why LendingPoint is the best for small loans. Mortgages or credit cards. Do you have bad credit. Most borrowers that qualify for financing save substantial funds for deposit. With the help of quick and easy comparison tables discover the best rates and apply today. As you can see there are actually some pretty good rates available on bad credit mortgages even when compared to non-bad-credit deals at time of writing the best rate on a 95 LTV first-time buyer mortgage was 259 for a two-year fix - thats just 01 cheaper than the best bad credit deal. Keep reading for some of our top choices for credit cards that may be suitable for those with less than ideal credit as well as other options to consider...