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Adverse Credit Mortgages

Past credit problems don't have to stop you getting a mortgage. We specialise in complex credit cases and have access to specialist lenders who consider every situation individually.

FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews

Specialist Adverse Credit Lending

High street lenders often decline applications at the first sign of credit issues. At Chess Mortgages, adverse credit is one of our core specialisms. We understand how different lenders assess credit history and we know which lenders will consider your specific circumstances, whether that's a single missed payment or a discharged bankruptcy.

Credit Issues We Help With

Low credit score, even with no specific adverse events
CCJs, both satisfied and unsatisfied
Defaults, both satisfied and unsatisfied
Missed payments on credit cards, loans or previous mortgages
IVA, both ongoing and discharged
Debt management plans (DMPs), active or completed
Discharged bankrupts, depending on discharge date
Repossession history. Some lenders consider after a qualifying period
Payday loan history, accepted by certain specialist lenders
No credit history, thin file applicants

Get Expert Advice

Free, no-obligation consultation. We'll be in touch within 24 hours.

No obligation • Initial consultation at our expense • Response within 24 hours

How Lenders Assess Adverse Credit

Every lender has different criteria when it comes to adverse credit. Key factors include:

• Type of adverse: Missed payments are treated differently to CCJs, which are treated differently to IVAs or bankruptcy.

• Date registered: The older the adverse event, the more options available. Many lenders consider events over 3 years old more favourably.

• Satisfied vs unsatisfied: Satisfied (paid) defaults and CCJs open more doors than unsatisfied ones.

• Amount: The total value of adverse matters. Small defaults are viewed differently to large ones.

• Number of events: A single missed payment is very different to a pattern of defaults.

Common Problems We Solve

  • • Declined by your bank or another broker due to credit history
  • • You have CCJs or defaults but don't know if you can still get a mortgage
  • • You've come out of an IVA or DMP and want to buy a home
  • • You were discharged from bankruptcy and want to know your options
  • • You've missed mortgage payments in the past and are worried about remortgaging
  • • You have a low credit score but a strong income and deposit

How It Works

1

Initial Consultation

We discuss your situation, income, goals and any concerns, at our expense and without obligation.

2

Market Search

We search our extensive lender panel including specialist lenders to find the best deal.

3

Application

We prepare and submit your application, managing all lender communications.

4

Completion

We coordinate with solicitors and the lender through to completion day.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).

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Frequently Asked Questions

Can I get a mortgage with a CCJ?
Yes. Many specialist lenders consider CCJs, particularly if they are satisfied (paid). The key factors are the date, amount and whether they are satisfied or unsatisfied. We have access to lenders who consider both.
Can I get a mortgage after an IVA?
Yes. Some lenders will consider applications from borrowers with discharged IVAs. The key factors are how long ago the IVA was discharged, the deposit available and your current financial position. Some lenders even consider ongoing IVAs in certain circumstances.
How long after bankruptcy can I get a mortgage?
Most specialist lenders will consider applications from 1 year after discharge, with more options available from 3 years post-discharge. The deposit requirement is typically higher, but competitive rates are available.
Will I pay a higher interest rate?
Adverse credit mortgages typically carry slightly higher rates than mainstream products, reflecting the additional risk. However, the difference is often smaller than people expect, and we work hard to find the most competitive rate for your situation.
Do I need a larger deposit?
Not always, but a larger deposit does open up more options and better rates. Some specialist lenders accept 5–10% deposit even with adverse credit, while others require 15–25%.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.

Book a Consultation 0208 756 1 756
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