Bad credit? Don’t rule yourself out.
CCJs, defaults, missed payments, debt management plans – I’ve helped many people in exactly your position get a mortgage.
★★★★★ 5.0 from 95 Google reviews
A mortgage is often more possible than you think
High street banks rely on rigid credit scoring. Specialist lenders don’t. They look at your actual circumstances, and many accept defaults or CCJs registered as recently as a few months ago.
Many of these lenders offer tiered products: if you only just miss the high street criteria, you could be placed on a near-prime deal, and issues older than a couple of years often matter far less than you’d expect.
Not every situation can be placed – it depends on the severity – but I’ll review your case individually and give you an honest answer either way. No judgement, ever.
- CCJs and defaults - even recent ones - considered
- Debt Management Plans accepted
- Missed payments don’t automatically stop you
- Free credit file review as part of your consultation
Why Easy Mortgages?
★★★★★
5.0 from 95 Google reviews
- 80+ UK lenders searched
- You deal with Charles directly
- Free, no-obligation advice
- Plain English, always
- Free advice - fees only payable on offer
Check your credit file first
Different lenders check different credit agencies, so before you apply it’s worth seeing all your credit reports in one place. Checkmyfile shows them all together – free for 30 days, then £14.99 a month, cancel anytime.
I search over 80 of the UK’s lenders to find your best deal
Your questions, answered
Often, yes. Specialist lenders will consider CCJs and defaults, in some cases registered only months ago. The size, age and circumstances all matter, so the honest answer starts with a quick review of your file.
Some lenders accept applicants on DMPs. You’ll usually need a track record of keeping up the plan payments, and the deposit required may be a little higher.
No – our first conversation and initial research don’t involve a hard credit check. Nothing touches your file until you decide to proceed.
I recommend checking a full multi-agency report before applying, since different lenders use different agencies. I’ll help you read it as part of your free consultation.
Don’t take my word for it
★★★★★ 5.0 from 95 Google reviews
Ready when you are
Advice is always free, and there’s no obligation.