Bad credit mortgage advice from specialist advisers
If you have a less than perfect credit history, it does not automatically mean you cannot get a mortgage. Blueberry Mortgages helps clients with a wide range of adverse credit circumstances, including defaults, CCJs, missed payments, debt management plans, mortgage arrears, IVA history and discharged bankruptcy.
We work with specialist lenders and smaller building societies that may look beyond a simple credit score and consider the wider picture. By reviewing your credit report, income, deposit and overall affordability, we can help you understand what may be possible and which lenders are more likely to suit your circumstances.
We work with a range of UK lenders, including specialist lenders and smaller building societies, some of which do not offer their services directly to customers and are only available through brokers.
What is a credit repair mortgage?
Credit repair mortgages are often used as a general term for mortgages aimed at people with adverse credit or a poor credit history. In practice, these are not usually a separate mortgage category with one fixed set of rules. Instead, they are mortgages from lenders willing to consider applicants with issues such as defaults, CCJs, missed payments, debt management plans, IVA history or bankruptcy.
The key is finding a lender whose criteria match your circumstances. That is why specialist advice matters. We look at the age, value and type of any credit problems, along with your income, deposit and affordability, to help identify lenders that may be a realistic fit.
Mortgage options for adverse credit cases
Every adverse credit case is different. Some applicants have a historic issue that has now been resolved, while others are dealing with more recent credit events. Some lenders are flexible on specific problems, while others have stricter rules.
At Blueberry Mortgages, we assess the full picture rather than focusing only on one number or one event. That allows us to give clearer advice on what may be possible now, whether you may be better waiting, or whether there are steps that could improve your mortgage options in the future.
Why use a broker for bad credit mortgage advice?
If you apply directly to the wrong lender, you can waste time and risk more damage to your credit profile through unnecessary searches. A broker can help you avoid lenders whose criteria clearly do not fit your situation and instead focus on those more likely to consider your case.
Blueberry Mortgages offers independent whole-of-market advice and access to lenders beyond the high street, including firms that may be more open to complex or adverse credit applications.
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We need to know a few things about you in order to find you the most suitable mortgage. It’s nice and easy, no complicated jargon and will take no longer than a few minutes.
Your information will not be shared and is secure. There are no credit checks involved.
If you need please contact a member of staff on 0800 520 0108.
Yes, in some cases it may still be possible to get a mortgage with bad credit. Having defaults, CCJs, missed payments or other adverse credit does not always mean you will be declined. Much depends on the type of issue, how recent it was, the amount involved and the rest of your financial profile.
Will my credit score stop me getting a mortgage?
Not necessarily. While your credit history matters, some lenders look beyond a credit score alone and assess the wider picture, including income, deposit, affordability and the details of any historic credit issues.
Can I get a mortgage with defaults or CCJs?
Yes, some lenders will consider applicants with defaults or CCJs, depending on the number, value, age and whether they have been satisfied. Blueberry Mortgages can review your credit report and explain which lenders may be more suitable for your circumstances.
Can I get a mortgage if I have been on a debt management plan or IVA?
Some lenders may consider applicants with a debt management plan or IVA, although lender criteria vary. The outcome will usually depend on whether the arrangement is current or historic, how well it has been managed and your wider application details.
Do specialist lenders offer mortgages for adverse credit cases?
Yes. Some specialist lenders and smaller building societies are prepared to consider adverse credit cases that high street lenders may not accept. This can include applicants with missed payments, defaults, CCJs, mortgage arrears or bankruptcy history, subject to lender criteria.
Why use Blueberry Mortgages for bad credit mortgage advice?
Blueberry Mortgages offers independent whole-of-market advice and works with specialist lenders and smaller building societies that may look beyond a standard credit score. We can assess your credit report, explain your options clearly and support you through the process from enquiry to application.
If you prefer to contact us online please use our enquiry form
