Answer: -If you live near a bairstow eves estate agents go in to see them they usually have mortgage advisors who dont charge you a fee they get their money from the mortgage company. they will be able to search thousands of different mortgages for you. don't go to a high street bank if you have bad credit you won't get a mortgage. -There are lenders out there who will lend to those with poor credit histories, but the interest rates can be punishing because you are deemed to be a bad credit risk. Better to rent and rebuild your credit rating and save for a good deposit whilst you're at it, otherwise you could get stung. -It you can it will be a "bad" mortgage with your poor credit rating. The mortgage will be very expensive. -My advice is dont do it until you've paid off your debts.Any mortgage lender will take the loan repayments and credit card debts into account when deciding what to lend you as they have to be sure that you can afford to repay what they lend you. With a bad credit rating you will already be charged more in terms of interest. Its not worth taking on a large mortgage that you will be unable to repay - there is no point having your home repossessed as you will out on the street and homeless and have an even worse credit rating.I would rent until your debts are paid off - you will then be in a position to rebuild your credit rating by showing that you are able to repay the loan.