Past credit problems don't have to stop you getting a mortgage. We work with specialist lenders who consider applications with CCJs, defaults, missed payments, and more.
Getting a Mortgage with Bad Credit
Having adverse credit doesn't automatically prevent you from getting a mortgage. Many specialist lenders are willing to consider applications from borrowers with credit issues, including missed payments, defaults, CCJs (County Court Judgements), IVAs, and even bankruptcy.
The key factors are how long ago the credit event occurred, how much was involved, and how your credit has been since. Generally, the older the adverse credit, the more lenders are available to you, and the better the rates you can access.
We'll review your credit report, identify any issues, and match you with lenders whose criteria fit your profile. This targeted approach gives you the best chance of approval at the most competitive rate available to you.
- CCJs, defaults, and missed payments considered
- Debt management plans and IVAs
- Discharged bankruptcy (typically 3+ years)
- Low credit scores
- Payday loans in credit history
- Multiple credit applications (hard searches)