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 96 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
- No-fee credit file review as part of your consultation
Why Easy Mortgages?
★★★★★
5.0 from 96 Google reviews
- 80+ UK lenders searched
- You deal with Charles directly
- No-fee, no-obligation advice
- Plain English, always
- No-fee 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 – a 7-day free trial for new customers, then £14.99 a month, cancel anytime.
Checkmyfile is a third-party service, not part of Easy Mortgages. Easy Mortgages may receive a payment from Checkmyfile if you sign up through this link.
Not sure exactly what’s on your file? Read my guide to checking your credit report before you apply, including how to fix mistakes. Self-employed as well? See self-employed mortgages.
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 no-fee consultation.
Don’t take my word for it
★★★★★ 5.0 from 96 Google reviews
Ready when you are
Your first chat and advice come with no fee and no obligation. A fee is only payable once you receive your full mortgage offer – see my fees.