Can I get a mortgage with adverse credit?
Yes, it is possible to get a mortgage with an adverse credit rating. However, you may find your options are more limited than if you had a good credit rating. With access to many adverse credit mortgage deals, our experts will find you the most suitable mortgage.
I have a default, can you help me?
Yes. The majority of mortgage lenders are only interested in your most recent credit activity. So, even if you do have a default on your file, our mortgage experts can still help find a mortgage thats right for you.
Will previous missed payments affect me?
It is still possible to secure a mortgage even if you have missed payments in the past. There are lenders that will be happy to consider you even if you have missed multiple payments. You may just find that it is a little bit more difficult to secure a deal.
Can I get a mortgage with a CCJ?
You may find it difficult to secure a mortgage with a CCJ on your file, but it is possible. Mortgage lenders who specialise in CCJ and adverse credit mortgages are more likely to accept you. However, they generally have higher interest rates.
I’m in a debt management plan, can you help?
It is possible to get a mortgage with a debt management plan, whether it is active or has been completed. Just like a standard mortgage application, most lenders will consider you if you can pass their general qualifying criteria.
What lenders will help me?
There are many different lenders on the market that specialise in adverse credit mortgages. And, as independent mortgage brokers, we have access to a range of these lenders meaning we can help you secure a mortgage deal if you have adverse credit.