Bad Credit
Doesn't Always Mean No
CCJs, defaults, IVA, bankruptcy, missed payments — your past doesn't define your future. We work with specialist lenders who consider adverse credit.
Access to specialist adverse credit lenders
Whatever Your Credit Issue, There Are Often Options
Click on your situation below to learn more about your options. Our specialist team works on complex credit cases every day.
CCJ (County Court Judgement)
A CCJ on your credit file doesn't mean mortgage rejection. We work with lenders who consider satisfied CCJs, with options improving as time passes since satisfaction.
Defaults
Defaults on credit accounts don't have to stop your mortgage dreams. Many specialist lenders will consider applications with defaults, depending on age and value.
IVA (Individual Voluntary Arrangement)
Whether you're currently in an IVA or it's been discharged, we may be able to help. Some lenders will even consider applications while an IVA is still active.
Bankruptcy
Discharged bankruptcy doesn't mean the end of homeownership. We have lenders who will consider you from 1 day after discharge, with more options as time passes.
Late Payments
Missed payments on your credit file? This is one of the most common credit issues and many lenders are understanding, especially if they weren't recent.
Low Credit Score
A low credit score often has straightforward solutions. We can advise on quick wins to improve your score and find lenders suited to your current situation.
Debt Management Plan (DMP)
Currently on a DMP or recently completed one? We have lenders who specialise in helping people who've taken responsible steps to manage their debt.
Repossession
A previous repossession can be overcome. We work with specialist lenders who understand circumstances change and give second chances.
Adverse Credit is Our Speciality
Not all mortgage brokers are created equal. Here's why clients with credit issues trust Apply Wise.
We Actually Specialise in Bad Credit
Unlike generalist brokers who might dabble in adverse credit, this is our bread and butter. Our advisers handle complex cases daily and know exactly which lenders to approach.
We Don't Judge Your Past
Life happens. Divorce, redundancy, illness, business failure - we've heard it all and we're here to help, not judge. In most situations there are options worth exploring.
Specialist Lender Access
We have access to specialist lenders that consider a wide range of credit circumstances — including lenders that only accept applications through mortgage brokers.
We Prepare Your Application Properly
Bad credit cases need careful packaging. We present your case in the best light, addressing concerns upfront and providing comprehensive supporting documentation.
Honest Assessment Upfront
We won't waste your time. In your first call, we'll tell you honestly whether we can help and what your realistic options are. No false promises.
Dedicated Case Manager
You'll have one point of contact throughout - someone who knows your case inside out and fights your corner with lenders.
How It Works
Getting a mortgage with bad credit doesn't have to be complicated. Here's our simple process.
Free Credit Review
We'll review your credit report and assess your situation with no judgement. Takes 10 minutes.
Options Explained
We'll explain exactly what's possible, which lenders suit you, and what rates to expect.
Application Prepared
We package your application professionally, addressing any concerns lenders might have.
Mortgage Secured
We handle everything through to completion, keeping you updated every step of the way.
What Actually Matters to Lenders
Adverse credit is not a single yes or no test. Lenders weigh up several things, and knowing which ones apply to you changes where we place your case.
How recent the issue is
Time matters more than almost anything else. An issue from four years ago is viewed very differently to one from four months ago.
Whether it has been satisfied
A default or CCJ marked as satisfied is treated more favourably than one still outstanding, even if the date is the same.
The amount involved
A small missed payment on a phone bill is not the same as a large outstanding judgment. Lenders set their own thresholds.
The deposit you have
A larger deposit gives a lender more security. With adverse credit, 15% to 25% is commonly sought depending on the circumstances.
No broker can promise that a lender will say yes. What we can do is assess your situation honestly and tell you where you realistically stand before you apply.
Bad Credit Mortgage FAQs
Answers to common questions about getting a mortgage with credit issues