Can You Get a Mortgage with Adverse Credit?

If you’ve struggled with your credit in the past, you’re not alone—and more importantly, you’re not without options. At Drummonds Finance Group, we help people across Oxford, Bicester, and beyond secure mortgages, even with adverse credit.

So, let’s break it down...

What is Adverse Credit?

“Adverse credit” refers to a poor or damaged credit history. This could include:

• Missed or late payments

• Defaults

• County Court Judgements (CCJs)

• Debt Management Plans (DMPs)

• IVAs or bankruptcy

Lenders often see these as warning signs, but they don’t mean you can’t get a mortgage.

Can You Still Get a Mortgage?

Yes, many lenders offer adverse credit mortgages or products for those with a less-than-perfect credit score.

It depends on:

• How recent the credit issues are

• Whether the debts have been settled

• Your income, outgoings, and deposit size

At Drummonds, we work with both mainstream and specialist lenders who take a more flexible, case-by-case approach.

How We Can Help

We’re experts in helping people rebuild their financial future.

✅ We’ll review your credit report and explain it in plain English.

✅ We’ll match you with suitable lenders (including those not on the high street). ✅ We’ll advise on how to boost your credit before applying.

✅ We’ll manage the entire mortgage application from start to finish

You’ll get honest advice, a clear plan, and a truly caring team.

Steps to Improve Your Credit Before Applying

Even if you’re not quite ready, there are ways to strengthen your profile:

• Register on the electoral roll

• Pay bills and credit commitments on time

• Keep your credit utilisation low

• Avoid taking out new debt

• Check your credit report for errors

These small steps can make a big difference in just a few months

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Real People, Real Mortgages

We believe your past shouldn't define your future. If you’re worried about your credit history, talk to us today. There are more options than you think—and we’ll help you find the right one.

Drummonds Finance Group. Your trusted mortgage broker in Oxford, Bicester, and across the UK.

Your home may be repossessed if you do not keep up repayments on your mortgage.