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Missed payments
Support if you have late or missed payments on your credit file.
Bad credit mortgage advice
Bad credit mortgage advice with clear next steps.
If you’ve had missed payments, defaults, CCJs, debt management plans or a low credit score, we can help you understand what mortgage options may still be available.
Complex credit history
Mortgage help for complex credit histories.
A poor credit history does not always mean a mortgage is impossible. Lenders look at the type of issue, how recent it was, whether it has been satisfied, your deposit and overall affordability.
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Defaults
Guidance if you have defaults, whether satisfied or still outstanding.
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CCJs
Help understanding how county court judgments may affect your options.
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Low credit score
Advice if your credit score is low or your credit history is limited.
Important: Mortgage approval is never guaranteed. Any application will depend on lender criteria, affordability, credit history, deposit and property checks.
The process
Our bad credit mortgage process.
Clear, careful advice before you apply, helping you understand your position and avoid unnecessary applications where possible.
1
Review your situation
We look at what happened, when it happened and your current financial position.
2
Check your documents
We help you prepare the information lenders may need to assess your case.
3
Explore suitable routes
We consider lenders that may be more suitable for complex credit cases.
4
Apply carefully
We help avoid unnecessary applications and guide you through the process.
What lenders assess
What can affect your chances?
Different lenders treat credit issues differently. The details matter, so getting advice before applying can help protect your credit file from unnecessary searches.
✓ How recent the credit issue was
✓ The type and value of the issue
✓ Whether defaults or CCJs are satisfied
✓ Your deposit size
✓ Your income and affordability
✓ Your overall credit conduct since the issue
Case types
Cases we can help discuss.
First-time buyers
You want to buy your first home but have past credit issues.
Home movers
You already own a home and need mortgage options for your next move.
Remortgages
You want to review your current mortgage despite credit challenges.
Debt plans
You have had, or are currently in, a debt management arrangement.
Before you apply
Prepare before approaching lenders.
It can help to gather a recent copy of your credit report, details of your income, deposit evidence and any information about historic credit issues. This allows an adviser to assess your position more clearly before approaching lenders.
Need mortgage advice with bad credit?
Speak with Mortgage Adviser UK and get clear, honest guidance before making an application.
Book Appointment →