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Bad Credit

Bad Credit - NO problem - CCJs and Arrears, Phone Now 0115 990 1450

Getting a mortgage with bad credit, CCJs, or defaults can be more difficult, but it is still possible with the help of specialist bad credit mortgage lenders in the UK. Many lenders will consider applications from people who have missed payments, County Court Judgments (CCJs), defaults, IVAs, or previous bankruptcy, especially if your financial situation has improved.

A bad credit mortgage or adverse credit mortgage is designed for people who may not qualify with high street banks, helping you still buy a home or remortgage. Whether you need a mortgage with CCJs, a mortgage with defaults, or a bad credit remortgage, a specialist broker can help you find the most suitable and affordable mortgage deal based on your current circumstances.

Bad Credit & CCJs

Bad Credit

Getting a mortgage with bad credit is more achievable than many people think, thanks to specialist UK lenders who assess your current financial situation rather than just your past. Even if you’ve experienced issues such as defaults, missed payments, or a low credit score, there are mortgage options available. Lenders will focus on key factors like your income, affordability, and deposit size, meaning you can still secure a competitive deal if you demonstrate financial stability.

Weather your a first time buyer, looking for a remortagge, your self employed , contractor or working under CIS (construction Industry Scheme. Working with a specialist mortgage broker like ourselves can also give you access to lenders who specifically offer bad credit mortgages, helping you find the most suitable deal. With the right preparation and expert guidance, getting on the property ladder—even with bad credit—is entirely possible

Mortgage Lenders

Frequently asked questions

Can I get a mortgage if I have arrears?

Getting a mortgage with arrears is difficult, but not impossible. There are specialist lenders who may be willing to consider your application, but you will likely have to pay a higher interest rate and have a larger deposit.

Can you get a 95% mortgage with a CCJ?

The status of a CCJ can be satisfied, part-satisfied, not satisfied, set aside or error, or expired. The more historic your CCJ was, the lower the amount, and if it's now settled will help your chances when applying for a high loan to value mortgage such as at 95%

Can you get a mortgage with really poor credit?

A lender will look at your credit file to understand your financial history. It can be harder to get a mortgage if you have a low credit score, but it's still possible.

Does a CCJ stop you from getting a mortgage?

A County Court Judgment (CCJ) is a court order made in England, Wales, or Northern Ireland when you fail to repay a debt on time. It shows that a creditor has taken legal action to recover the money owed. Having a CCJ does not mean you cannot get a mortgage, but it will affect how lenders view your application

How long after a missed payment can you get a mortgage?

The ideal time to wait depends on the type of mortgage you want and the nature of your missed payment. For conventional loans, you will likely be in the clear after two years, but you could qualify sooner if there was only one late payment and the rest of your credit file is strong.

Is a CCJ worse than default?

Which is worse, a CCJ or a default? A CCJ is a County Court Judgement, while a default is an unresolved debt. CCJs are typically the result of unpaid debts and can have a more serious impact on your credit score than defaults because they remain visible to lenders for six years.

On what grounds can you be refused a mortgage?

Top reasons for a declined mortgage application

Some common reasons for your mortgage application being declined include: your credit history. too much debt. your employment history.

What is the lowest credit score to get a mortgage?

If lenders review all the information and determine that you are likely to make your mortgage payments in full and on time, you may be able to get better loan terms. The minimum credit score needed for most mortgages is typically around 620.

What is the lowest score you can get a mortgage with?

There isn't a specific credit score you need for a mortgage, and that's because there isn't just one credit score. When you make an application for a mortgage or other type of credit, lenders work out a credit score for you.