Different lenders have different appetites for credit issues:

• Late Payments: Many lenders accept these after 6-12 months

• Defaults: Can be considered even if less than 2 years old (some specialist lenders are 6 months+ and can completley ignore defaults under £300.

• CCJs: Options available depending on age and value

• IVAs: Some lenders consider applications 1 year after completion

• Bankruptcy: Possible from 3 years after discharge

• Debt Management Plans: Several lenders will consider active DMPs

Deposit requirements vary based on your credit history:

• Minor credit issues: 10-15% possible

• Recent or serious credit problems: 15-25% typically needed

• Bankruptcy or IVA: Usually 25%+ required

  The larger your deposit, the more options available.

  Pro tip: We'll help you understand exactly what deposit you'll need based on your specific situation.

Rates depend on several factors:

• Type and age of credit issues

• Size of your deposit

• Current income and affordability

• How you've managed credit recently

  The good news:

• Rates have become more competitive

• Options to remortgage to better rates as credit improves

• We'll find the most cost-effective solution for your situation

Practical steps to strengthen your application:

• Register on the electoral roll

• Check your credit reports (we'll help you understand them)

• Save a larger deposit if possible

• Maintain current credit commitments

• Build recent good credit history

• Keep stable employment

• Gather evidence explaining past issues

Be prepared with:

• Last 3 months' payslips and bank statements

• Proof of deposit and its source

• Explanation letters for credit issues

• Credit report from all three agencies

• Evidence of settled credit problems

• Employment history

• Address history for 3 years

We're not here to judge – we're here to help:

• Direct relationships with specialist lenders

• Experience with complex credit histories

• Understanding approach to your situation

• Clear explanation of your options

• Long-term strategy for credit repair

• Ongoing support for future remortgaging

  Your Journey to Better Credit

  Getting a mortgage isn't just about today – it's about building for tomorrow. We'll help you:

• Understand your credit position

• Find the right mortgage now

• Plan for better rates in the future

• Rebuild your credit profile

• Work towards mainstream lending

  Ready to Explore Your Options?

  Bad credit doesn't define your future. Let's talk about making owning a home a reality, no matter what your credit history looks like.