Professional Mortgage Advice

Mortgages for those with a poor credit rating

If you are struggling to secure a mortgage, it may be because you have had problems with borrowing money in the past and that your credit score is low. This may make it harder for you to get a mortgage. Some of the things that could negatively affect your credit score include having a few missed credit card payments, a County Court Judgement (CCJ) against you or currently being on a debt management plan.

However, whether or not you have 'bad' credit is somewhat subjective. This is because expectations vary between lenders - so one may approve your mortgage application, while another rejects it regardless of any 'bad' credit you may have.

Don't despair, we are able to help.

We work with lenders across the mortgage market and know which lenders specialise in offering products tailored to customers who have current or past bad credit.

The mortgage products available are the same as standard mortgage products, the only difference is the way they are assessed. Some lenders do not credit score and instead manually assess each application individually. This allows the lender to take into consideration unexpected life events which may have caused the bad credit to arise. Examples of this might include you losing your job or getting divorced.

Each case is looked at individually. Give us a call on 07786 963562 to find out more.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Need a mortgage?

We can help – even if you have bad credit.
Even with a registered CCJ, Default, Missed Payment, DMP, IVA Or Bankruptcy.

Get in Touch, we would love to help

CCJs and your credit rating

If you have a registered or settled County Court Judgement (CCJ), there are still mortgages available. We work with lenders that could accept your application.

If you get a county court judgment (CCJ) or a high court judgment, it will stay on the Register of Judgments, Orders and Fines for 6 years.

Banks and loan companies use this information to decide whether to give you credit or loans.


If you've missed a payment on a loan or ignored a debt, you might have a default on your credit report.

Defaults on a credit file can be a common reasons for being refused a mortgage by a lender.

We successfully arrange mortgages for people with defaults, so even if you’ve been rejected for a mortgage because of a default in the past, it may still be possible for you to find a lender elsewhere.

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.

Contact us