Bad Credit History Mortgages

Past financial difficulties don't have to hold you back. We specialise in finding mortgage solutions for people with CCJs, defaults, missed payments, and other credit challenges.

What's Holding You Back?

You may have faced rejection from a mortgage lender following an assessment of your credit report, and naturally you might feel reluctant to try elsewhere. There might be a number of reasons why your credit score has been impacted, and often you may not know why.

We can help you obtain a new mortgage by finding a suitable lender for your circumstances — with missed payments, defaults, CCJs, and Debt Management Plans all considered.

Struggling to Get a Mortgage Because of Bad Credit?

You're not alone — and the good news is, there are still options available. Many people assume that past financial issues automatically mean a "no" from lenders, but that isn't true.

At Albion Financial Advice, we specialise in helping people with bad credit history find the right mortgage. Whether you're buying your first home, remortgaging, going through shared ownership, or using Right to Buy, there are lenders who consider applications even if you've had CCJs, defaults, missed payments, or other credit challenges.

Bad Credit Mortgages At a Glance

What Is It?

Designed for those with missed payments or low scores. Specialist lenders look at the full picture.

Real person assessment

Can I Get One?

In many cases, yes. We match you with lenders who understand that real life happens.

Expert matching

We Can Help With

CCJs, defaults, arrears, low scores, DMPs, and even post-bankruptcy scenarios.

All cases considered

How We Help

We provide full support, from completing applications to liaising with specialist underwriters.

Step-by-step guidance

Circumstances We Can Help With

County Court Judgements

Lenders who consider applications even with CCJs in the last six years.

Defaults

Options for those with defaults recorded within the last six years.

Arrears & Missed Payments

Support even if you've had missed payments within the past 12 months.

Low Credit Scores

Matching you with lenders that focus on the wider financial picture.

Debt Management Plans

Consideration for applicants in well-conducted active DMPs.

IVA or Bankruptcy

Options after discharge or meeting specific post-IVA conditions.

Case Study: Defaults and a DMP

A couple with two credit card defaults from 2022 and an active debt management plan wanted to buy their first home but had been declined by their bank. We reviewed their full credit reports, checked that their DMP payments were up to date, and recommended a specialist lender comfortable with recent credit issues.

**The Result**: An agreement in principle for a shared ownership purchase with a 10% deposit on their share and a clear plan to improve their credit profile.

Benefits of Shared Ownership With Bad Credit

Buy between 25% and 75% of a property

Start with a deposit from 5% of your share

Often suitable for first-time buyers on lower budgets

Potential to staircase gradually to 100% ownership

Possible even where you have past credit issues

Recent stability is more important than old defaults

Explore Your Options

Shared Ownership

Part buy, part rent. See how this helps those with past credit issues.

Lower deposit

Remortgage

Consolidate debts or raise funds despite missed payments.

Consolidation options

First-Time Buyer

New to buying? Start with our realistic mortgage guidance.

Tailored advice

Why Choose Us for Your Bad Credit Mortgage?

Friendly, professional & convenient

Over 20 years' industry experience

We value our customers

Same day pre-approvals

Full support provided

Jargon-free & fast communication

Bad Credit Mortgage FAQs

Yes, many specialist lenders consider applications from those with County Court Judgments (CCJs). They will look at how long ago the CCJ was registered, the amount, and whether it has been satisfied (paid off).

Some lenders will consider you even with very recent defaults (within the last 6 months), though you may need a larger deposit (20%–25%) and pay a higher interest rate. Generally, the older the default, the more options you have.

Typically, yes. Lenders offset the higher perceived risk of adverse credit by charging higher interest rates. However, many people use these mortgages for 2–3 years to rebuild their credit before remortgaging to a standard rate.

While some lenders offer 5%–10% deposit options for minor credit issues, you should typically budget for a 15% to 25% deposit if you have more serious or recent adverse credit like active CCJs or defaults.

Yes, once you have been discharged for a certain period (usually 1–3 years), specialist lenders will consider your application. You will likely need a significant deposit (25%+) and evidence of clean credit since your discharge.

Yes, we work with specific lenders who consider applicants in active DMPs, provided the plan has been well-conducted (all payments made on time) for at least 12 months.

Have a question that isn't answered here? Ask us directly.

Ready to Explore Your Options?

Our job is simple: to guide you through your choices and connect you with lenders who help rebuild financial futures.

Ready for Your Mortgage Journey?

Get expert mortgage advice with no obligation. Our specialists are here to help you find the perfect mortgage solution for your needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.