{"id":82403,"date":"2026-11-06T18:25:41","date_gmt":"2026-11-06T18:25:41","guid":{"rendered":"https:\/\/smfinancelounge.co.uk\/?page_id=82403"},"modified":"2026-11-06T18:25:41","modified_gmt":"2026-11-06T18:25:41","slug":"adverse-credit-mortgage","status":"publish","type":"page","link":"https:\/\/smfinancelounge.co.uk\/lt\/adverse-credit-mortgage\/","title":{"rendered":"Prasta kredito istorija"},"content":{"rendered":"

[et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” column_structure=”1_2,1_2″ theme_builder_area=”post_content” module_class=”about-hero” hover_enabled=”0″ sticky_enabled=”0″][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

PAST CREDIT PROBLEMS?<\/p>\n

Adverse credit mortgages<\/h1>\n

Missed payments, defaults, CCJs or a debt management plan don’t automatically mean no. Many lenders will look past credit problems, and some offer rates close to the high street. Our adviser Galina Agintiene specialises in adverse credit cases and knows which lenders will say yes.<\/p>\n

Book a Free Consultation<\/a><\/div>\n

\u2605\u2605\u2605\u2605\u2605<\/span> 5.0 from 120+ Google reviews \u00b7 FCA authorised \u00b7 Whole of market<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_image src=”https:\/\/smfinancelounge.co.uk\/wp-content\/uploads\/2026\/11\/Web-4.jpg” _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” alt=”Galina Agintiene, adverse credit mortgage adviser at SM Finance Lounge” title_text=”galina-agintiene-adverse-credit-mortgage.jpg” max_height=”480px” border_radii=”on|20px|20px|20px|20px” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default” background_color=”#e8f1ed” hover_enabled=”0″ sticky_enabled=”0″][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_code _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

<\/p>\n
<\/p>\n

Credit problems we can help with<\/h2>\n

<\/p>\n

\u2713 Late or missed payments<\/span>\u2713 Defaults<\/span>\u2713 CCJs<\/span>\u2713 Arrangements to pay<\/span>\u2713 Debt management plans<\/span>\u2713 Settled IVAs<\/span>\u2713 Discharged bankruptcy<\/span>\u2713 Low or no credit score<\/span><\/div>\n

<\/p>\n

How lenders assess an adverse credit mortgage<\/h2>\n

Not all bad credit is treated the same. Lenders look at what<\/strong> happened, when<\/strong> it happened, how much<\/strong> it was for and whether it has been settled<\/strong>. A small CCJ from a few years ago is very different from several recent defaults, and some lenders are far more flexible than others.<\/pee>High street banks often decline anything on your file automatically. Specialist lenders assess each adverse credit mortgage application individually, and that’s where the right broker makes the difference.<\/pee><\/p>\n

Before you apply for an adverse credit mortgage<\/h3>\n

\u2713<\/span> Check your credit reports with Experian, Equifax and TransUnion\u2713<\/span> Register on the electoral roll\u2713<\/span> Avoid new credit applications\u2713<\/span> Keep up with current payments\u2713<\/span> Don’t apply to lenders yourself before getting advice<\/pee><\/p>\n

How we help with adverse credit mortgages<\/h2>\n

We start by going through your credit report with you, line by line, before any lender sees it. Then we match you with the lenders whose criteria fit your situation, so you avoid unnecessary declines and extra searches on your file. Once your credit improves, we can move you from your adverse credit mortgage onto a better rate.<\/pee><\/p>\n

Real adverse credit mortgage results<\/h2>\n

<\/p>\n

<\/p>\n
DEBT MANAGEMENT PLAN<\/pee>Our client still had six months left on her debt management plan. We found a lender that would consider her, and she got her mortgage before the plan was even finished.<\/pee><\/div>\n

<\/p>\n

RECENT CCJ<\/pee>A recent CCJ, but under \u00a3500. Because of its size, we secured a rate close to what the high street was offering.<\/pee><\/div>\n

<\/p>\n

3 UNSETTLED CCJS<\/pee>Three CCJs, none of them settled. Most lenders would say no straight away, but we found one that said yes and arranged the mortgage.<\/pee><\/div>\n

<\/p>\n

RIGHT TO BUY<\/pee>Our client wanted to buy her council home through Right to Buy, but had missed payments on credit cards and loans. We found a lender that accepted both, and she became a homeowner.<\/pee><\/div>\n

<\/p>\n

DEFAULTS + ARRANGEMENT TO PAY<\/pee>Settled defaults, plus an arrangement to pay registered less than 12 months ago. Recent issues rule out most lenders, but we found the one that fitted and got the mortgage approved.<\/pee><\/div>\n

<\/div>\n

Every case is different. All mortgages are subject to lender criteria and affordability.<\/pee><\/p>\n

Adverse credit mortgage FAQs<\/h2>\n

<\/p>\n

\nCan I get a mortgage with a CCJ?<\/summary>\nOften, yes. Lenders look at the amount, how recent it is and whether it’s been satisfied. Smaller and older CCJs open up more lenders and better rates, but even unsettled CCJs can be considered.<\/pee><\/details>\n

<\/p>\n

\nCan I get an adverse credit mortgage while on a debt management plan?<\/summary>\nSome specialist lenders will lend while a DMP is still running, especially if your payments have been kept up. Others need it to be finished first. We’ll know which ones fit your case.<\/pee><\/details>\n

<\/p>\n

\nCan I use Right to Buy with bad credit?<\/summary>\nYes, in many cases. Your Right to Buy discount can count towards your deposit, and some lenders accept missed payments or defaults on Right to Buy mortgages.<\/pee><\/details>\n

<\/p>\n

\nWhat about a past IVA or bankruptcy?<\/summary>\nOnce an IVA is settled or a bankruptcy is discharged, some specialist lenders will consider you. The longer ago it was, and the cleaner your credit since, the more options you’ll have.<\/pee><\/details>\n

<\/p>\n

\nWill I need a bigger deposit for an adverse credit mortgage?<\/summary>\nNot always, but a larger deposit usually opens up more lenders and better rates. It depends on the type of credit issue and how recent it is.<\/pee><\/details>\n

<\/p>\n

\nWill an adverse credit mortgage keep me on a high rate?<\/summary>\nNot necessarily. Many clients take a shorter fixed rate, rebuild their credit, then remortgage to a better deal. We’ll plan that with you from the start.<\/pee><\/details>\n

Self-employed too? Read about self employed mortgages<\/a>. For free guidance on improving your credit, see MoneyHelper<\/a>.<\/pee>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/pee><\/div>\n<\/div>\n

[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

\n
\n
\n

BOOK YOUR FREE CONSULTATION<\/p>\n

Been turned down before? Talk to Galina.<\/h2>\n

Tell us what’s on your credit file and what you’re hoping to buy. We’ll be honest about your options, with no judgement and no automatic computer says no.<\/p>\n<\/div>\n

\n

Free 30-minute consultation<\/p>\n

\u2713<\/span> Pick a time that suits you
\u2713<\/span> Phone or video call
\u2713<\/span> No obligation to proceed
\u2713<\/span> Kalbame lietuvi\u0161kai \u00b7 \u0413\u043e\u0432\u043e\u0440\u0438\u043c \u043f\u043e-\u0440\u0443\u0441\u0441\u043a\u0438<\/p>\n

Choose a date & time \u2192<\/a>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

PAST CREDIT PROBLEMS? Adverse credit mortgages Missed payments, defaults, CCJs or a debt management plan don’t automatically mean no. Many lenders will look past credit problems, and some offer rates close to the high street. Our adviser Galina Agintiene specialises in adverse credit cases and knows which lenders will say yes. Book a Free Consultation […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-82403","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages\/82403","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/comments?post=82403"}],"version-history":[{"count":3,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages\/82403\/revisions"}],"predecessor-version":[{"id":82407,"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/pages\/82403\/revisions\/82407"}],"wp:attachment":[{"href":"https:\/\/smfinancelounge.co.uk\/lt\/wp-json\/wp\/v2\/media?parent=82403"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}