Past financial issues don’t have to end your home-buying plans. Many lenders will consider applications after defaults or CCJ – County Court Judgment — with the right preparation.
Get tailored advice on our Contacts page and explore how we help on Mortgages.
Improve your chances
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Check your credit files across the main agencies.
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Clear small adverse where possible; evidence good conduct since.
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Build a realistic deposit and set expectations on rates.
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Prepare documents early (ID, income, address history).
What we’ll do for you
We’ll identify lenders open to your profile and package your case clearly so underwriters can say “yes” faster.
Want a safety net for repayments? Review our Protection options.
