Bad Credit Mortgages
Defaults, CCJs or missed payments on your record? Specialist lenders who look at the full picture.
Why bad credit?
Having bad credit doesn’t automatically mean you can’t get a mortgage. Many specialist lenders consider applicants with defaults, CCJs, or a history of missed payments, often at different rates and terms.
Your options depend on the severity and recency of the issues, as well as your deposit and income. A mortgage broker who works with adverse-credit lenders can tell you which products you’re likely to qualify for.
At Clearview Mortgage Solutions, we work with lenders who consider bad credit. We’ll review your situation, explain your options, and help you find a deal that fits.
Key facts
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our bad credit calculator.
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Bad Credit mortgages
A guide to bad credit mortgages
What counts as bad credit, how it affects your options, and how a broker can help you find a deal.
ReadBad credit remortgages
Switching deals with adverse credit history, when to remortgage, and how to improve your chances.
ReadImproving your credit before applying
Practical steps to boost your credit score, check your reports, and fix errors before you apply.
ReadSpecialist bad credit lenders
Who lends to applicants with CCJs, defaults, or IVAs, and what rates and terms to expect.
Read
Frequently asked.
Yes, several specialist lenders consider applicants with CCJs and defaults. Your options depend on the amount, age, and whether it’s been satisfied. Older, smaller, and satisfied CCJs are viewed more favourably. A broker can match you with lenders who specialise in these cases.
Talk to a specialist.
bad credit mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.