Adverse Credit Mortgages.
Specialist mortgage solutions for borrowers with adverse credit history. We help you rebuild financial credibility and secure property finance.
500+
Adverse credit mortgages successfully arranged with lenders who understand your situation and can provide flexible solutions.
Adverse Credit FAQs.
Adverse credit history can impact mortgage approval and interest rates, but it doesn't make mortgages impossible. Lenders consider how long ago the issues occurred, the reasons behind them, and your current financial stability. Recent issues have more impact than older ones.
Adverse credit includes missed payments, defaults, County Court Judgments (CCJs), Individual Voluntary Arrangements (IVAs), bankruptcy, and poor credit utilisation. Each lender views these differently, which is why specialist advice is crucial.
Most adverse credit entries stay on your credit file for 6 years from the date of the issue. However, lenders are generally more sympathetic to older issues, and after 3-5 years, many mainstream lenders may consider you again.
Yes, it's possible to get a mortgage with a County Court Judgment, especially if it's satisfied (paid off). Specialist lenders often have access to mortgages for borrowers with satisfied CCJs. Recent unsatisfied CCJs are more challenging but not impossible.
Deposits for adverse credit mortgages typically range from 10-20%, though some lenders may require up to 25%. A larger deposit improves your chances of approval and often results in better interest rates.
Interest rates for adverse credit mortgages can be higher than standard rates, reflecting the increased risk perceived by lenders. However, rates vary significantly between lenders, which is why our specialist expertise helps you find the best available options.
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