Who gives mortgages with bad credit?

There are many lenders out there in the “sub-prime” or “adverse” mortgage market designed to assist people who have had financial difficulties in the past. They are normally only accessible through mortgage brokers. I.e. you cannot access these mortgages yourself, you need to speak with a professional and they need to arrange the mortgage for you.
In all cases the lender will charge you higher rates and the rate depends on how recent or how bad the credit history is.