Review your credit files
Look for inaccuracies and make sure addresses are up to date.
Moneykind mortgage guides
Worried about your credit history? Start here.
A missed payment or older credit issue does not automatically rule out a mortgage, but it may affect lender choice, deposit requirements and pricing.
Explore mortgage help →What you need to know
Explore how missed payments, defaults, CCJs and credit history can affect mortgage applications, with practical steps to prepare.
Moneykind helps you make an enquiry and may introduce you to a relevant mortgage professional. Moneykind does not itself provide a mortgage recommendation on this page. Any advice and lender availability will depend on the professional and your circumstances.
Mortgage rates, fees, lending criteria and eligibility can change. Always check the full terms before making a decision.
Three practical steps
Be open about past issues
Accurate information helps a professional assess realistic options.
Budget for the full cost
Compare fees and rates as well as the deposit required.
Frequently asked questions
Can I get a mortgage with a CCJ or default?
It may be possible depending on the amount, age, status and wider credit profile. Lenders use different criteria and approval is never guaranteed.
Does checking my credit report hurt my score?
Checking your own credit report is generally a soft search and does not affect your credit score. Mortgage application searches can be treated differently.
Will I need a larger deposit?
Potentially. Some lenders may require more equity or charge higher rates for applicants with recent or significant adverse credit.
What should I do before applying?
Review reports from the main UK credit reference agencies, correct errors, pay bills on time and avoid unnecessary credit applications where possible.
Ready to take the next step?
Tell us what you need help with. Moneykind can use your enquiry to help connect you with a relevant professional, subject to availability.
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