A bad credit mortgage works just like any other mortgage. The only difference is that not as many lenders are willing to offer a mortgage to someone with bad credit, as they’re seen as a riskier customer. And those that do, tend to charge more. Your best bet to get mortgage approved is to contact an experienced mortgage adviser. A mortgage adviser will have access to more specialist lenders and deals that aren’t available on the high street. And they’ll often save you time, stress, heartache – and money.