Bad credit mortgages
Mortgage advice if you have CCJs, defaults, missed payments or a debt management plan, including if you’ve already been turned down.
- We can help with
- CCJs, defaults, missed payments, debt management plans
- Lenders
- Specialist lenders that assess each case individually
- Our fee
- Typically £376–£585
- First appointment
- Free, confidential, no credit search
Getting a mortgage after being turned down
A County Court Judgment, a default or a history of missed payments can lead high-street lenders to decline your application. That doesn’t mean you can’t get a mortgage. It means you need a lender that looks at your full circumstances.
Specialist lenders use manual underwriting. Rather than relying on an automated credit score, an underwriter considers what happened, how long ago it was, how stable your income is and how you’ve managed since.
How your rent history can help
If you’ve reliably paid £750 a month in rent, that’s good evidence you can afford a £750 mortgage payment. Some lenders will take that into account.
What we can help with
- County Court Judgments (CCJs), satisfied or not
- Defaults and missed payments
- Current or past debt management plans
- Unpaid utility or phone bills
- Low credit scores and limited credit history
- A plan to move to mainstream rates later
Questions about bad credit mortgages
Will a bad credit mortgage cost more?
Usually the rate is higher than a standard deal to begin with. A common approach is a shorter deal, followed by a remortgage onto mainstream rates once your credit file has improved.
Does it matter how old the problems are?
Yes. Lenders generally look more favourably on issues that are older, smaller or settled. Recent problems reduce the options but don’t always rule them out.
Is there a fee?
There may be a fee depending on your situation, typically between £376 and £585. We’ll tell you before we start.
Will speaking to you affect my credit score?
A first conversation doesn’t involve a credit search. We’ll tell you before any check is made, and what kind of check it is.
Talk to Greig in confidence
A first conversation is free, confidential and doesn’t involve a credit search.
