Can I apply with a bad credit

Yes you can proceed and apply to a bank that is part of the Help to Buy scheme.

They will however take your credit rating and history into account as they would if issuing a normal mortgage loan. So a bad credit  rating might be a problem and prevent a successful application.

It is always good to use credit checking websites like or before you begin an application. This will give you a full credit report including any historic issues and sometimes rectify them if they are incorrect.