Mortgages with CCJs, defaults or missed payments.
A past credit problem doesn't have to stop you. We work with specialist lenders who look at your whole story, not just a score.
We’ll help you:
CCJs, defaults and missed payments
Debt management plans and IVAs
Past bankruptcy or repossession
Low or no credit score
Important information
Lending is not guaranteed and will depend on the nature of your credit history and the lender’s assessment.
A real person who looks at your whole story.
High-street lenders often say no automatically. Specialist lenders look at what happened, when, and how things are now — and we know which ones to approach.
ADVERSE CREDIT QUESTIONS
Can I get a mortgage with a CCJ?
Often, yes — especially if it's settled or a few years old.
Will applying hurt my score?
We check what's likely before any application, to avoid unnecessary searches.
Will the rate be higher?
Sometimes a little. We'll also plan how to move you to a better rate later.
Ready to get started?
Tell us about your plans — it starts with a few questions and a free conversation.
Your home may be repossessed if you do not keep up repayments on your mortgage.