Adverse Credit
Bad credit mortgage guides covering missed payments, defaults, CCJs, debt management plans, IVAs, bankruptcy and repossession.
12 articles
Articles
7 min read Debt Consolidation and Getting a Mortgage
What debt consolidation is, the main ways to do it, and how each one affects a mortgage application: loans, balance transfers, DMPs and remortgaging.
6 min read Can I Get a Mortgage After Using Payday Loans?
Do payday loans affect a mortgage application? Why lenders worry about them even if repaid on time, how long to wait, and which lenders may still consider you.
7 min read Getting a Mortgage After a Repossession
Can you get a mortgage after a repossession? How long lenders want you to wait, the deposit needed, shortfall debts, voluntary repossession and rebuilding.
7 min read Joint Mortgage When One Applicant Has Bad Credit
Applying for a joint mortgage when one of you has bad credit? How lenders assess both files, financial associations, buying in one name and your options.
6 min read Getting a Mortgage With a Debt Management Plan
Can you get a mortgage on or after a debt management plan? How lenders view active and completed DMPs, what they check, deposits and the steps that help.
7 min read Getting a Mortgage With a CCJ
Can you get a mortgage with a CCJ? How lenders judge its age, size and whether it is satisfied, what deposit you may need, and how to settle or challenge one.
7 min read Mortgages After Missed or Late Payments
Can you get a mortgage with missed or late payments? How lenders view arrears markers, how recent is too recent, mortgage arrears and how to improve your file.
7 min read Mortgages After Bankruptcy: Discharged Bankrupts
Can you get a mortgage after bankruptcy? When lenders consider discharged bankrupts, the deposit you may need, what to disclose and how to rebuild credit.
8 min read Getting a Mortgage After an IVA
Can you get a mortgage during or after an IVA? When lenders will consider you, the deposit you may need, remortgaging in an IVA and how to rebuild your credit.
7 min read Can I Get a Mortgage With a Default?
Can you get a mortgage with a default? How lenders judge size, age and whether it is settled, the deposit you may need, and how to improve your chances.
6 min read Can I Get a Mortgage After a Debt Relief Order?
Can you get a mortgage after a debt relief order? How long lenders want you to wait, the deposit you may need, how a DRO shows on your file and how to rebuild.
11 min read Bad Credit Mortgages: The Complete UK Guide
Bad credit mortgages explained: how lenders judge defaults, CCJs, missed payments, IVAs and bankruptcy, the deposit you need, costs and how to get approved.
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