Mortgage solutions for people with defaults

We are experts in helping people find a mortgage who have defaulted on loan or credit card repayments in the past. Our extensive experience in this area means we can negotiate competitive deals for our clients. 

Whatever your credit history, simply complete our quick no obligation enquiry form and we'll get back to you with what your options are.

With the massive growth in credit cards and personal loans in recent years, it is not surprising that more and more people find themselves with a 'black mark' against their name. 

People who have defaulted on previous credit agreements will struggle to get a mortgage with a high street lender as their defaults will show when the lender undertakes a check of their credit file and this will adversely affect their credit score. A default will be listed on your credit file for six years.

People miss repayments and default for a number of reasons. This may be because of a simple oversight such as forgetting to inform the company of a change of address, or it may be a result of someone borrowing more than they could afford, redundancy or divorce.

Fortunately more and more specialist lenders offer mortgages to people with defaults, and some high street lenders have even started to relax their lending policies.