If you have bad credit and you need a mortgage in the UK then you can read here some information: https://www.shinemortgages.co.uk/mortgages/can-i-get-a-mortgage-with-bad-credit.php

It can be both. Since mortgage providers are accepting applications of the people with bad credit scores, many people try to improve their credit ratings after the approval. They pay monthly instalments, as they have a good income, on the proper schedule that enhances their credit profiles.
On the other hand, some people first improve their credit scores under the guidance of the mortgage brokers and then prefer to apply. It gives them a benefit of assured approval even if they have low income. Thus, it is a vice versa process.

Visit for more info: https://www.shinemortgages.co.uk/mortgages/how-to-get-a-mortgage-with-bad-credit-but-good-income.php

Try Shine Mortgages - a broker in the UK.

As per my view Shine Mortgages is the Best mortgage broker in the UK.

There are many direct lenders in the UK like British Lenders, The Easy Loans etc.

If you are lives in Uk, Then you can go for private direct lenders in the UK such as British Lenders, On Stride, Amigo Loans etc.

Yes you can get No Guarantor loans

You can apply for Guaranteed Bad Credit loans with no guarantor from British Lenders.

You can get an unsecured loan despite low credit rating if you have a good repayment capacity. The
recent bank statement, monthly salary should be strong enough to prove your affordability against the
loan application. There is no need to pay any upfront fee and hidden fee. The application procedure is
simple and predictable and completes in only three simple steps.
1. Apply online
2. Get the approval
decision, 3. Receive funds in your bank account without any delay.

British Lenders a uk private lender provide an unsecured loan with bad credit

There are a few things that you need to do on your part.

 Do not make multiple applications. It invites various search footprints on your credit record. It
makes you look credit hungry and in case of any rejection by any lender, it degrades your credit
Rating.
 Follow the guidelines of the lender. Stay honest and provide every information. Do not argue
much on the interest rates, the lending industry has some rules and lenders cannot break them for
you.