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Poor or Adverse credit history

Poor or Adverse credit history

County Court judgements (CCJ), defaults, missed credit payments, or bankruptcy can all have an adverse effect on mortgage applications, as can any history of previous mortgage arrears.

Many High Street lenders will refuse you on these grounds alone.


Or perhaps you have fallen into arrears on a previous mortgage.


As some marriages end in divorce, this means that potentially a lot of people have incurred arrears.


You may have been declared bankrupt at some point. Again, this may have been out of your hands.


Or you may be turned down by a lender because you have a County Court judgement against your name.


You can incur a CCJ for not paying a utilities bill or just for skipping a book club payment. This is where an independent mortgage broker can often help, using their experience and sometimes specialist lenders not well known on the high street.


Despite popular belief that people with adverse credit history cannot get a mortgage, there is still availability in today's mortgage market place. In fact, some of the niche lenders who disappeared in late 2008 have now returned to the market, along with several new names.


However, anyone with serious credit issues or a bad credit history will find that their chances of borrowing could well be restricted, and it's likely they would need to find a deposit of 15% or more.


At C&C Mortgage Brokers, we treat each case on an individual basis and you may be surprised at what you can achieve even with bad credit history problems.


Call us free on 0800 0029555 to have a discreet chat about your mortgage and your credit history.

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Leeds, LS12 6LX

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Building 3, City West Business Park,
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