It is generally assumed that if your credit score is not as strong as it could be, getting a mortgage is out of the question. In reality, this is not necessarily the case.
As the name suggests, bad credit mortgages are home loans designed specifically for applicants with an imperfect credit history. They are also sometimes referred to as subprime mortgages or adverse credit mortgages, though the product itself remains the same.
Most lenders naturally assume that when an applicant has an imperfect credit score, they represent a higher-risk candidate for non-repayment. This is why the vast majority of major high street banks are unwilling to work with poor-credit applicants.