You may still be able to get a mortgage with bad credit, but your options could be more limited and the interest rate or deposit requirement may be higher. Lenders will consider the type and age of missed payments, your income, existing debts, deposit and overall affordability. Check your credit reports for errors, keep up with current payments and avoid making multiple applications in a short period. A mortgage broker with access to specialist lenders may explain your options; check that they are FCA-authorised and compare the full cost of any deal.