Bad Credit Mortgages
Defaults, CCJs or missed payments on your file? There are specialist lenders who weigh up the whole picture, not just a score.
Why bad credit?
Bad credit does not shut you out of the mortgage market. A number of specialist lenders will still look at your application if you have defaults, CCJs (County Court Judgments) or missed payments behind you, though usually on different rates and terms from a high street deal.
What you can get depends on how serious the problems were, how recent they are, and how much deposit and income you have. A broker who deals with adverse-credit lenders (those who accept an impaired credit file) can tell you which products are realistically open to you.
At Clearview Mortgage Solutions, we work with lenders who accept credit issues. We look at where you stand, talk you through the routes available, and help you land a deal that suits you.
Key facts
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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 shapes your options, and the way a broker can help you find a deal.
ReadBad credit remortgages
Switching deals when you have an adverse credit history: when remortgaging makes sense and how to strengthen your case.
ReadImproving your credit before applying
Practical ways to lift your credit score, check your reports and correct errors before you apply.
ReadSpecialist bad credit lenders
Who lends to people with CCJs, defaults or IVAs, and the rates and terms you can expect.
Read
Frequently asked.
Yes. Several specialist lenders consider applicants with CCJs and defaults. Your options depend on the amount, how old it is, and whether you have satisfied it. Older, smaller and satisfied CCJs are viewed more kindly. A broker can match you with lenders who handle 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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