Adverse Credit Mortgages
UK Specialist
Buying a home with past credit issues can feel overwhelming, but it’s often more achievable than people expect. We work with lenders who consider clients with missed payments, defaults, CCJs, arrangements to pay and other credit challenges.
Mortgage Options When You Have Adverse Credit
Reassurance
✔ Specialists in adverse credit & complex cases
✔ Access to lenders not found on comparison sites
✔ Friendly support
What Counts as Adverse Credit?
Adverse credit is more common than you think. We can sometimes help clients depending on your specific circumstances and lender criteria:
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Missed or late payments
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Defaults
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CCJs
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Debt Management Plans
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Arrangements to Pay
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High credit utilisation
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Previous mortgage arrears
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Bankruptcy or IVA (depending on discharge date)
Can You Get a Mortgage with Adverse Credit?
Many people are declined by mainstream banks simply because of a computer score. Specialist lenders take a more flexible view and look at the full picture, including:
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What happened
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How long ago it happened
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Whether it’s now settled
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Your deposit
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Your income and affordability
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Your bank account conduct
We’ll review your personal circumstances with you and explain whether there are realistic options, giving you the best chance of approval.
How We Help You
We take a friendly, supportive approach and help you understand the best route forward.
Here’s what we offer:
Access to 80+ specialist lenders who consider complex credit
Soft searches where possible and Advice on improving your credit score
Clear explanation of deposits and eligibility
Honest, realistic options with no pressure
Guidance on documents, affordability and planning ahead
You get clear answers, not confusing jargon.
What Lenders Look At
Every lender is different, but these key factors usually matter:
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Type of credit issue (default, CCJ, arrears etc.)
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Age of issue — older issues are usually treated more favourably
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Was it satisfied? (and when)
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Amount involved
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Deposit size
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Stability (job history, address, bank conduct)
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Affordability
We help you understand how these apply to your situation.
CASE STUDY A
One Default – Still Approved
A International student graduate first time buyer working in Cyber security. Buying with a 10% gifted deposit source from overseas. One default registered in 2022.
Outcome: High Street lender mortgage offered within 7 days.
Frequently Asked Questions (FAQ)
Can I get a mortgage with CCJs?
Can I get a mortgage with recent defaults?
Yes. Many lenders accept CCJs depending on when they happened, the amount, and whether they’re satisfied
It depends on the lender, but even recent defaults can be considered with the right deposit and circumstances.
Do adverse credit mortgages cost more?
Some specialist lenders do have higher rates, but they often offer short-term products designed to help you rebuild credit and then remortgage later.
Can I apply with a partner who has good credit?
How long after bankruptcy or IVA can I apply?
Yes. In many cases, the stronger credit profile can support the application.
Some lenders require 3–6 years discharged. Others will consider sooner with larger deposits.