Bad credit mortgage broker · England & Wales
A CCJ, a default, missed payments, a debt management plan, an IVA or a bankruptcy doesn't automatically rule you out of a mortgage. We'll look at your whole story — not just your score — and be straight with you about what's realistic.
Plain English, no jargon
Tap the one that applies. We'll explain what it means, how long it usually stays around, and what lenders tend to look at.
A County Court Judgment is a court order to repay money you owe. It goes on your credit file if it isn't paid in full within one month.
Usually six years from the date of judgment. Paid in full within a month? It can be removed from the register altogether.
How recent it is, how much it was for, and whether it's been satisfied (paid). A satisfied, older, smaller CCJ is a very different conversation from a recent one.
General information, not advice. Timescales are typical for England & Wales and every lender sets its own criteria.
Lenders don't all see credit problems the same way. These are the four things that usually shape the conversation.
Something from five years ago usually counts for far less than something from last year.
A £300 phone default and a £30,000 debt are very different conversations.
Satisfied, settled or completed tends to open more doors than still outstanding.
Stable income, bills paid on time and a bigger deposit can all help tell a better story.
We go through your credit file with you — all of it — so there are no surprises later. Looking doesn't affect your score.
High-street and specialist lenders have very different appetites. We know where to look — and where not to.
No scattergun applications that leave more marks on your file. We prepare the case and explain it to the lender.
The honest bit most websites skip. There may be fewer lenders to choose from and rates can be higher — but small, sensible steps can make a real difference.
Struggling with debt right now?
We're mortgage advisers, not debt advisers. If you're finding repayments hard today, these free services can help — and when you're ready, we'll be here.
Often, yes — but it depends on how recent it is, how much it was for and whether it's been settled. Some lenders won't consider it at all, others will. Our job is to know which is which before anything goes on your file.
Sometimes. Specialist lenders can charge more to reflect the extra risk, and you may have fewer products to choose from. The rate is only part of it, so we'll talk you through the full cost — and how you might move to a better deal later as your credit improves.
It varies by lender and by what's on your file. A bigger deposit can widen your options, but it isn't always essential. We'll show you what's realistic for your situation rather than guessing.
No. Checking your own file is a "soft" search that only you can see. It's a hard search — from an actual credit application — that lenders can see, which is why we get things right before applying.
Usually worth a conversation. A decline from one lender says very little about the next, and it's often about that lender's criteria rather than you. We'll look at why it happened before deciding what to do next.
It's possible, and it can lower your monthly outgoings — but it can mean paying more overall over a longer term, and it turns unsecured debt into debt secured on your home. Think carefully before securing other debts against your home. We'll go through the pros and cons honestly before you decide.
A free, confidential chat. No judgement, no pressure, and no hard search on your credit file. Pick a time that suits you.