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Get a Mortgage with Defaults

We help people with bad credit, defaults, and CCJs secure the mortgage they deserve.

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10,000+
Customers Helped
4.9/5
Trust Rating
FCA Regulated Brokers
FCA Regulated Brokers
94%
Success Rate
Applications approved
2-4 weeks
Average Time
To approval
5 ⭐
Customer Care
Rated service
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Moving day happens for people with defaults too.

Every week, specialist lenders approve people the high street turned away.

Your Credit History Doesn't Define Your Future

We understand that life happens. Defaults, CCJs, and missed payments don't make you a bad person—they're just part of your story. We're here to help you write the next chapter.

Whether you have a single default under £500 or multiple CCJs, our comprehensive guides and expert advice will help you understand your options and connect with specialist lenders who want to help.

Your Complete Guide to Bad Credit Mortgages

Everything you need to know, organized into 5 comprehensive pillars of knowledge

1
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Understanding Bad Credit & Defaults

Learn what counts as bad credit, how it affects your mortgage options, and the key differences between defaults, CCJs, and other credit issues.

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2
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Bad Credit Mortgage Types & Options

Explore the different types of adverse credit mortgages available and discover which lenders specialize in your specific situation.

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3
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The Application Process

Step-by-step guidance through the mortgage application journey, from initial preparation to completion and moving in.

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4
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Specialist Scenarios

Detailed advice for complex situations including bankruptcy, IVAs, multiple CCJs, self-employment, and more.

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5
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Financial Planning & Affordability

Calculate what you can afford, improve your credit position, and plan your path to mortgage approval.

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Free Mortgage Calculators

Get instant insights into your mortgage options with our easy-to-use calculators

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Eligibility Checker

Find out if you qualify for a mortgage based on your credit history and current situation.

Takes about 2 minutes
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Affordability Calculator

Calculate how much you can borrow based on your income, expenses, and credit profile.

Takes about 3 minutes
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Timeline Planner

Get a personalized timeline showing when you could realistically apply for a mortgage.

Takes about 2 minutes
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Ready to Start Your Mortgage Journey?

Take the first step today. Our eligibility checker takes just 2 minutes and won't affect your credit score.

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