Looking for a Mortgage with Bad Credit?

Have you had a mortgage declined because of your credit history?

Worried that defaults, missed payments or a CCJ could prevent you from buying a home or remortgaging?

You may still have options.

I'm Gary Poyntz, a mortgage and protection adviser helping people explore mortgage options when their circumstances aren't straightforward.

Whether you've experienced financial difficulties in the past, have a low credit score or are concerned about how your credit history will affect your application, I'll help you understand the options that may be available for your circumstances.

You don't have to work everything out on your own. Let's explore your options.

[Discuss Your Mortgage Options]

Initial enquiries are subject to an assessment of your circumstances. A mortgage is not guaranteed.

Can I get a mortgage with bad credit?

Possibly. Having adverse credit doesn't automatically mean you can't get a mortgage.

Lenders assess applications differently, and the right options depend on your individual circumstances. They may consider the type of credit issue, when it happened, whether outstanding debts have been settled, your deposit, income and affordability.

I can help you understand the factors that may matter and explore suitable options from lenders whose criteria may fit your situation.

I can help you explore mortgage options if you have:

• Defaults on your credit file

• County Court Judgments (CCJs)

• Missed or late credit repayments

• Previous arrears on loans or credit cards

• A history of financial difficulties

• A mortgage application that has previously been declined

• Concerns about your credit score or credit history

Every case is different. The aim is to identify realistic options for your circumstances, rather than make promises before your situation has been assessed.

[Enquire About an Adverse Credit Mortgage]

Adverse credit mortgage options we can explore

Mortgages with defaults

A default can affect your mortgage options, but its impact depends on factors such as its age, value, whether it has been settled and the lender's criteria.

We'll look at your circumstances and consider which options may be appropriate.

Mortgages with a CCJ

If you've received a County Court Judgment, you may be concerned about getting a mortgage.

Lenders can take different approaches to CCJs. The amount, date, settlement status and your wider financial circumstances may all be relevant.

Mortgages with missed payments

Missed payments on credit cards, loans or other commitments can affect a mortgage application. The type of account, recency and frequency of missed payments may influence which lenders will consider your case.

Remortgaging with adverse credit

If your current mortgage deal is ending, you may be worried about remortgaging with a less-than-perfect credit history.

Depending on your circumstances, it may be worth exploring suitable remortgage options before your existing deal ends. Timing, affordability and any early repayment charges should be considered carefully.

Self-employed applicants with adverse credit

If you're self-employed and have experienced credit difficulties, your income and credit history may both need careful consideration.

The way your income is evidenced, the structure of your business and the lender's criteria can all influence your options.