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Get a Mortgage Quote Mortgages with credit problems. Advice, mortgage information, guides and articles from mortgage brokers. If you have credit problems, obtaining a mortgage can be difficult. Find advice, information, guides, mortgages with credit problems, information on poor credit mortgages, advice on mortgage arrears, guides on mortgages with county court judgements and solutions for bad credit mortgages through specialist mortgage brokers.

We can introduce you to specialist Mortgage Brokers who have solutions for almost every circumstance.

There are many people who experience problems taking out a mortgage or remortgage due to current or previous credit problems. Credit problems can include:

  • Unpaid debts
  • late payments on loans and credit cards
  • mortgage arrears (perhaps culminating in repossession)
  • defaults
  • CCJs (County Court Judgements)
  • A history of bankruptcy
  • IVAs (individual Voluntary Arrangements)

Having any of the above credit problems means that many mainstream, mortgage lenders will be reluctant to offer you a mortgage or remortgage.

It is quite common for people to have credit problems that stem from financial difficulties in the past. Even though those previous financial difficulties may now be fully resolved, it is still very easy to be left with a poor credit rating as a result. And this can lead to credit problems for many years to come when trying to obtain a new mortgage. Some people assume that anyone with credit problems must have brought it on themselves by deliberately missing payments on loans or ignoring credit card bills. In actual fact, most people with credit problems got into financial difficulty through no fault of their own. It is very often the loss of earnings associated with redundancy or a long-term illness which leads people to develop credit problems. As a result, credit problems are something which can affect people from all walks of life.

But if you have got credit problems, don't give up hope of getting a mortgage. To some mortgage lenders, your situation might not look so bad as you think it is and so you may have a greater range of mortgage options available to you than you first thought. Every mortgage lender has a slightly different way of assessing mortgage applications from people with credit problems. Therefore, it makes sense to shop around when looking for mortgages with credit problems. And one of the easiest ways to do this is to let Clean Slate Mortgages put you in touch with a specialist mortgage broker who can help you in your search for a mortgage with credit problems.


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