Mortgages with Adverse Credit
Let’s find a mortgage that works for you no matter your credit history.
A poor credit history doesn’t mean your homeownership dreams are over. Whether you've had missed payments, defaults, CCJs, or even bankruptcy, we work with specialist lenders who understand that financial setbacks happen and who look beyond just your credit score.
We’ll take the time to understand your situation, explain your options, and help you find a mortgage that fits your circumstances.
Tips to Improve Your Credit Before Applying
Improving your credit can boost your chances of getting approved and securing a better rate. Here are some simple steps:
- Check your credit report for errors and fix any inaccuracies
- Register on the electoral roll at your current address
- Pay bills on time to show consistent financial behaviour
- Keep credit balances low and avoid maxing out cards
- Avoid multiple credit applications in a short period
- Use a credit builder card if you have little or no credit history
Even small changes can make a big difference over time. We’re here to guide you through the process and help you prepare for a successful mortgage application.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Can I get a mortgage with a poor credit history?
Yes, there are lenders who specialise in adverse credit, including CCJs, defaults, and missed payments.
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What types of adverse credit can lenders accept?
Some lenders accept CCJs, defaults, missed payments, IVAs, and even discharged bankruptcies—depending on the age and severity.
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How long do credit issues stay on my file?
Most issues stay on your credit report for 6 years. The older the issue, the less impact it may have.
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Can I improve my chances before applying?
Yes paying down debts, registering on the electoral roll, and checking your credit report for errors can all help.
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Will applying for a mortgage affect my credit score?
A soft search won’t, but a full application may leave a hard search. We help you avoid unnecessary applications.
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Will I need a bigger deposit?
Often yes—typically 15–30% depending on the severity and age of the credit issues.
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Will it affect my interest rate?
Yes, rates may be higher, but we’ll help you find the most competitive deal available to you.