Mortgage & Protection Guides

How Long After a Default or CCJ Can You Get a Mortgage? When people ask us about getting a mortgage with bad credit, the question is almost never really "can I?". It is "how long do I have to wait?". And the honest answer is that there is no single waiting period, because lenders do not treat adverse credit as one thing. A £150 default on a mobile phone contract from four years ago and a £6,000 CCJ registered last month are completely different cases, even though both technic

If you have bad credit and you're wondering whether getting a mortgage is even worth attempting, the short answer is yes, and a broker is almost always the right starting point. Bad credit does not automatically close the door on homeownership or remortgaging. What it does is narrow the field of suitable lenders, and that is precisely where a specialist broker adds the most value. What Counts as Bad Credit? Bad credit is not a single thing. It covers a wide spectrum of credit