1. Check your credit report: The first step is to check your credit report to see where you stand. You can obtain a free credit report from various credit reference agencies. This will give you an idea of how lenders view your credit history. You can Click Here for a 30-day FREE trial and access 3 agencies that hold your records (then £14.99 per month-cancel online anytime).

2. Improve your credit score: If your credit score is low, you can take steps to improve it. This may include paying off outstanding debts, making payments on time, and reducing your credit exposure.

3. Save for a larger deposit: The larger your deposit, the more likely you are to secure a mortgage. Lenders may be more willing to lend to those with poor credit if they have a significant deposit.

4. Consider a guarantor mortgage: If you have a friend or family member who is willing to act as a guarantor for your mortgage, this may improve your chances of getting approved.

5. Look for specialist lenders: Some lenders specialize in providing mortgages to those with poor credit. These lenders may have higher interest rates and fees, but they may be more willing to lend to you.

6. Seek advice from a mortgage broker: A mortgage broker can help you find a lender that is willing to work with you, even if you have poor credit. They can also help you understand the different types of mortgages available and the requirements for each.